[go: up one dir, main page]
More Web Proxy on the site http://driver.im/

EP0385290B1 - Verfahren und Vorrichtung zur Vereinfachung des Gebrauchs einer Vielzahl von Kreditkarten u. dgl. - Google Patents

Verfahren und Vorrichtung zur Vereinfachung des Gebrauchs einer Vielzahl von Kreditkarten u. dgl. Download PDF

Info

Publication number
EP0385290B1
EP0385290B1 EP90103516A EP90103516A EP0385290B1 EP 0385290 B1 EP0385290 B1 EP 0385290B1 EP 90103516 A EP90103516 A EP 90103516A EP 90103516 A EP90103516 A EP 90103516A EP 0385290 B1 EP0385290 B1 EP 0385290B1
Authority
EP
European Patent Office
Prior art keywords
card
multifunction card
signature
multifunction
data
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Expired - Lifetime
Application number
EP90103516A
Other languages
German (de)
English (en)
French (fr)
Other versions
EP0385290A1 (de
Inventor
Hartmut Hennige
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=6375163&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=EP0385290(B1) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Application filed by Individual filed Critical Individual
Publication of EP0385290A1 publication Critical patent/EP0385290A1/de
Application granted granted Critical
Publication of EP0385290B1 publication Critical patent/EP0385290B1/de
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

Links

Images

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0719—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for application selection, e.g. an acceleration sensor or a set of radio buttons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07701—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
    • G06K19/07703—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3576—Multiple memory zones on card
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
    • G07C9/24—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder by means of a handwritten signature
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/29—Individual registration on entry or exit involving the use of a pass the pass containing active electronic elements, e.g. smartcards

Definitions

  • the invention is based on a method and a multifunction card according to the preamble of claim 1 and claim 12, respectively.
  • a terminal must be used, which is able to write an identification code into the area of the card memory only if it receives an input code that matches the issuer code that was previously stored in this area of the memory.
  • this IC card is a device that is used by a user, but is shared by several parties with credit information that is stored in the different areas of the memory mentioned. This ensures that each individual issuer only gets access to the information that comes from him, so that the other information from other exhibitors is not accessible even if he inserts the common IC card in a special terminal that does so it is intended to read out the desired information from the IC card, which can be, for example, bank account information or credit account information, or, which is also an essential aspect, always to subsequently write other information into the respective isolated memory area.
  • a secret identification code of the issuer and a secret identification code of the user of the card are therefore required.
  • the IC card can only be used if these two identification codes or passwords are available.
  • This known IC card usage system contains no information about the type, structure and appearance of the respective IC card or its presentation to the outside: it is not even specified how a read / write unit of a particular exhibitor terminal in is able to contact the respective memory area. Operation by the user alone is obviously not intended, since access to the stored information or data is only possible if the issuer code has also been determined via the special terminal with reading device and writing device of the IC card. As soon as this issuer code and a user identification code have been entered, the user can then access the stored data and it is also possible to write into the card memory of the IC card using the writing device. In this way it is possible to achieve a high degree of confidentiality among the information originating from the exhibitors.
  • USB-A-4 797 542 Another known multifunction card (US-A-4 797 542) is intended to enable the card user to use the card for a number of different applications, which are indicated, for example, as buying on credit, realizing banking transactions, reserving flights or also as hotel room reservations are.
  • an external actuation key is provided, the various application possibilities being displayed successively when actuated can be so that the user can set the card for a specific application.
  • a further actuation key is also provided, with which use cases or transactions (history call-up) which have already been carried out can be called up again and checked.
  • a card therefore makes it possible, similar to a personal computer, in which a display window to visualize various processes, either to remember it (history) or to buy this card for different applications, as mentioned, booking flights or hotel rooms on credit u. Unlock.
  • the card also has external electrical connection contact means, via which input signals can be recorded and also stored in a card-specific memory. It is also possible to enter a secret code that activates the card in its basic functions, which is related to the user and is referred to as a personal identification number.
  • Another known IC card system (US-A 4 742 215) further defines different, namely segmented areas in the card memory, which can be assigned, for example, to different security levels such that certain stored data are only accessible to certain people or institutions, for example in such a way that In healthcare, special data categories are only accessible to special groups of people, for example doctors or pharmacists.
  • US-A 4 742 215 Another known IC card system (US-A 4 742 215) further defines different, namely segmented areas in the card memory, which can be assigned, for example, to different security levels such that certain stored data are only accessible to certain people or institutions, for example in such a way that In healthcare, special data categories are only accessible to special groups of people, for example doctors or pharmacists.
  • the entry of corresponding, only limitedly accessible data can also be done by loading appropriate files from mass storage devices such as hard drives, floppy disks and the like. Like. In the card memory.
  • the arrangement is comparable to such a measure a pressure-sensitive writing area on a smart card (GB-A-2 201 125) for capturing the signature.
  • the correctness of the signature is checked by comparing the card with a stored signature. Similar possibilities for signature verification are also known from EP-A-197 535.
  • the object of the invention is to bring order to the confusion of the many single cards and, despite retaining the possibilities offered, to own and use an essentially unlimited number of single-purpose cards from any company, authority, institute or other card issuer to need and take a single card in the form of a multi-function card, the security aspects of which are so high on the other hand that there is neither misuse nor any possibility of counterfeiting even when lost, and even with the use of very high technological means on the counterfeiting or misuse side can be excluded.
  • the invention solves this problem with the characterizing features of claim 1 and claim 12 and has the advantage that practically regardless of how many cards in any form and for which special purpose, also identity cards and the like. the holder of all of these cards and would also like to use, only a single card, hereinafter referred to as a multifunction card, is required which, when activated, is capable of being converted into any single-purpose card by the card user himself by manipulation from the outside, usually by means of a suitable key actuation assume their appearance and function.
  • Such a multifunction card is therefore an electronic card or computer card which not only contains the characteristic data of a given single-purpose card stored in electronic form, but also contains data records of all cards used and used by a given person, it being possible without any problem by appropriate manipulation from the outside, to convert this one multifunctional card into the desired card practically the moment it is needed.
  • Counterfeiting security in particular is subject to double security, namely that the personal signature of the card holder is only visibly reproduced on the card in the respective viewing window from the electronic memory in which it is stored, if the card holder activates the card after entering a secret code and for Prepared for use by selecting, i.e. calling up the data record of a certain institution (credit card company or the like).
  • the personal signature advantageously only appears when the electronic card is inserted in a special test terminal at the respective location, i.e. a department store, restaurant or the like, and, after the secret code has been entered by the carrier, can be called up for display .
  • a receipt printer can then be put into operation at the same time, which prints out the cost accounting, which, as is already common today, is then signed by the card holder becomes. At this moment the signatures are compared.
  • the secret code also securely blocks the general misuse of the electronic multifunction card, since known locking means can be used here without any problems, which after a predetermined number of attempts in further attempts to determine the correct secret code initially block the card for a predetermined time and, if a predetermined maximum number is exceeded, then make it completely unusable, ie delete all data. Furthermore, a finder cannot know whether a card still has content that cannot be accessed without knowing the secret code.
  • the invention thus ensures a particularly simple possibility of taking all conceivable user and application wishes into account with a single electronic multifunction card, with optimal security requirements.
  • the simple form of the electronic multifunction card which has one or more viewing windows with the external dimensions of conventional credit or check cards, which fills these display fields after pressing a button on the multifunction card in each case for a given data record, thereby converting it into a single-purpose card and is turned off after use or either turns itself off after a the specified time and can then be easily converted into other single-use cards by calling up other data records, whereby the corresponding company details and the logo of the issuing credit card company or the bank, the card number and the expiry date, stored passport photos if desired, other, also machine-readable data as well as the signature of the user.
  • the multifunction card contains a small battery for permanent maintenance of the stored data records, which receives a charge boost every time it is used, for example when it is inserted into a test terminal.
  • the multifunction card can be operated using solar cells, which can then also charge the battery.
  • the basic idea of the present invention is to provide an electronic multifunction card equipped with an electronic memory, which can store a large number of data records from original credit cards, check cards, ID cards and the like. Contains the like and is designed such that, according to a selective entry, the multifunction card with its free display fields always shows the data of a data record now a specific credit card or check card or the like and is then also accessible to any and to that extent also usual use. A user then only needs to carry this one multifunction card with them, which in the non-activated position is a neutral electronic card and with the logo of the card issuing company at the push of a button in the data window (s), the photo of the wearer, his signature and other related data are visibly displayed.
  • Such a multifunction card can also perform a variety of other functions, for example for general identification purposes, such as a driver's license, identity card, club card, time and attendance cards, access control, fuel data cards and cash automation - all these functions can be handled more securely and efficiently with a single electronic multifunction card become.
  • general identification purposes such as a driver's license, identity card, club card, time and attendance cards, access control, fuel data cards and cash automation - all these functions can be handled more securely and efficiently with a single electronic multifunction card become.
  • FIG. 1 shows a conceivable embodiment of an electronic multifunction card at 10; the card has a first, for example larger, viewing window 11 and a further viewing window 12, which are used to display any numbers, shapes, letters and the like.
  • a first for example larger, viewing window 11 and a further viewing window 12, which are used to display any numbers, shapes, letters and the like.
  • Like. are suitable, for example in the usual training in the form of liquid crystal display panels and.
  • all other conceivable and according to the current state of technology display forms can also be used, as they are already partially possible today, for example also colored representations of passport pictures or logos of the companies issuing these cards and the like. The like.
  • Such colored representations of logos can be very important for card companies, so that, for example, these areas can be displayed in color and the other data can be displayed in monochrome.
  • Such an electronic multifunction card has a multiplicity of input keys 13, it also being possible for separate input keys 14 to be available for calling up special functions.
  • Such a card represents, in the unactivated form according to the illustration below in FIG. 1, a blank sheet, so to speak; but it has the usual electronic circuitry, as they are common today, for example, microprocessor or computer properties, so clock, sequential control, in particular also an electronic memory u. The like.
  • external mechanical contacts not shown in the drawing in FIG. 1, can be provided in an advantageous manner, which prove to be useful for communication with a test terminal or with the master device.
  • contactless means for example inductively, but also in series by means of photoelectric elements and the like.
  • at least one electrical energy store for example conventional button cells as accumulators and, if desired, a reserve memory for maintaining the data when a main battery is exhausted are provided.
  • a first possibility for such a data transfer is that data transfer takes place on the basis of a master device 15 according to FIG. 3, as shown in FIG. 2. 2 any desired single-purpose cards, which can represent credit cards 20, 21, 22 or check cards 23 or ID cards 24, etc., are specified and otherwise designed in this way - which is already known per se today that 20, 21 , 22 ... a computer chip or other electronic memory with some additional electronic circuitry is integrated.
  • This stored data can be queried from the chip, so that the user of a multi-function card inserts his single-use cards 20, 21, 22 ... one after the other, as shown, into his master device 15, which, through a comprehensive, externally accessible keyboard 15a enabled to query the data in the computer chip of the single single-use card and transfers as a data record to the electronic multifunction card that is also inserted, more precisely in its memory.
  • This first possibility of entering data into the electronic multifunction card 10 requires that the credit card companies or other institutes which issue check cards, such as banks, companies, authorities, clubs and the like.
  • the new generation of single-purpose cards integrate computer chips, which of course can also significantly improve the usability of these cards.
  • any other possibilities for data entry into the electronic multifunction card are conceivable and also possible here; for example, by the agency issuing the card (this representative of credit card companies, banks, authorities, institutes, etc.) after the application has been processed and the like. Like. Or sent a data carrier when it was recorded, for example as a floppy, as a PROM or the like, with a corresponding design of the master device, so that it can query the data carrier and transfer data into the electronic multifunction card.
  • This data transfer can be done gradually by the user, until then all his cards in any form on the electronic card are transmitted in the form of a data record; the owner then only needs to carry the multifunctional electronic card with them.
  • the further sequence becomes clear; For example, by pressing the keys A or B - after the user has entered a personal secret code using the keys 13, for example, different single-use card forms can be called up one after the other, for example by repeated typing or by specific address input.
  • the single-use card of a certain credit institution can be realized first by means of a corresponding display in the display field 11, here with the name "Visa" with logo, card data, image of the bearer, if desired also with a signature.
  • the electronics of the multifunction card are preferably designed such that the signature is only visible in the area of a test terminal, namely in the display panel or display 12.
  • the multifunctional card can always take the form of a single-use card at the cardholder's request and can then be used for this purpose that the cardholder desires and of course he is a customer of their credit card companies or banks.
  • the logo, address and designated card company, possibly a photo and (later) his signature are displayed in the data window (s) of the multifunction card.
  • the user obtains appropriate single-purpose card data, for example by entering his relevant data in a form of a bank or a credit card organization and also applying his signature on this form and presenting a passport picture.
  • the user receives a data carrier from the issuing body which receives all the necessary data in the manner of the data record mentioned.
  • this data carrier can either be a normal single-purpose card integrated with a computer chip, but also a PROM, a floppy or the like.
  • a data record comprises at least the data of the bank or the issuing body, ie logo, designation and the like .
  • data related to the user such as card number and expiry date, stored passport picture and signature of the user.
  • the issuing body can also obtain such a multifunction card together with the master device. As shown in FIG. 3, this then has an insertion compartment 15b for the computer chip single-purpose cards and an insertion compartment 15c for the electronic multifunction card.
  • the user if he has received a chip card from the issuing location, can insert it into his master device in the insertion compartment 15b, insert the multifunction card into the other compartment 15c, whereupon it is possible after pressing the corresponding outer buttons is to display and check the data in the fields of vision of the electronic card.
  • This secret number is only known to the user and can be entered, for example, via the master device 15 of the electronic multifunction card.
  • This secret number or, to put it more generally, such a secret code is then universally valid in order to open access to the multifunction card at all, it being understood that the individual data records relating to the various single-purpose cards are either called up by appropriate addressing by means of a code or, for example, as before mentioned can be scrolled through, so to speak, by repeatedly tapping keys.
  • the secret code is only known to the user and can therefore be cracked, at least not by just a few attempts.
  • the original data carrier can then be returned to the issuing location, for example the computer chip card, the PROM or the floppy, but when a chip card is issued as a data carrier it is also kept by the user, for example in his safe as a second card for all cases can be kept.
  • the issuing location for example the computer chip card, the PROM or the floppy
  • the electronic multifunction card which he is the only one with, is first activated by entering the secret code and then a decision is made as to which card organization or bank should be used.
  • stored organizations such as Visa, Diners, Avis, Shell etc.
  • test terminal which, like the master device, can be easily and simply set up.
  • a test terminal is designated 30 in FIG. 4.
  • the electronic multifunction card with the displayed data is inserted into its insert compartment 31a. Only then does the user's signature become visible in the display field 12 of FIG. 1. This is a practical design.
  • test terminal can work with the electronic card, it can have outward-facing small contacts, for example in the edge area, which can then be mechanically contacted by contacts in the insert compartment of the test terminal, so that the test terminal can now enter the signature activation code and the general data can query the card organization or this contacting takes place contactlessly in any other known manner known per se, for example via optical, inductive, capacitive or other suitable means.
  • test terminal can then generate a receipt, since a receipt printer 31 is expediently also provided and connected after the seller has entered the invoice data into the terminal Has.
  • the receipt is then signed by the user, as is already the case now, which means that a signature comparison is also possible. A copy of the document is then left to the user.
  • the invention enables a variety of security aspects that can be realized by it and that ensure that such an electronic multifunction card is much better and more secure compared to today's easily counterfeit credit and bank cards. It is also advantageous that the electronic multifunction card does not have to have a magnetic stripe that is common today on normal single-purpose cards, which can be slightly impaired in its function due to carelessness, so that its data, for example due to magnetic influence, is wholly or partially deleted.
  • Another aspect of the present invention is that if the user has a commercially available computer, for example a PC device, this can be designed by means of an adapter and corresponding software in such a way that the chip single-purpose card, a PROM and the one shown in FIG 3 master device shown are dispensable and with the aid of such a computer the necessary data records can be transferred directly to the multifunction card by sending these data to the user from a issuing body, that is bank or credit card company, on a conventional diskette using appropriate software become.
  • a commercially available computer for example a PC device
  • a particularly advantageous embodiment of the present invention with regard to the verification of the personal signature of the user still consists in the fact that this is carried out using a method which is known per se, not by inspection of the personnel, but rather by machine / electronically.
  • the user of the multifunction card carries out his signature on a device-specific document, so that the respective terminal or its logical arithmetic circuit or computer is able to record this signature and compare it with a stored signature.
  • the stored signature that is to say which is compared automatically / electronically by the user, can either be stored centrally in the card issuing point (s), so that the computer or computer in the terminal is required to verify the card presented or inserted, for example for creditworthiness and other identity features, at the same time, in a further additional step, retrieves the signature stored in the control center for this card, which is transmitted digitally with all the necessary characteristics.
  • this signature of the user is also stored digitally in the memory of the multifunction card in addition to the digitally stored signature in the control center, so that if the terminal is not able at any given time is to retrieve the signature stored in the central office and / or the card is used in a country where, for certain reasons, this is not possible anyway, the signature digitally stored in the multifunction card can also be accessed by calling up a corresponding secret code the card itself and then with the immediate compares the signature executed in front of the terminal. In this case too, the terminal is able to verify whether the completed signature matches the stored signature by means of a simple correct display or error display.
  • Additional fuses can be installed here;
  • the terminal can allow two or three attempts - if the completed signature does not yet match the one saved (either queried by the control center or obtained from the multifunction card), the entire content of the multifunction card can be deleted, i.e. destroyed.
  • the multifunction card In order to have access to the multifunction card, at least two secret codes are therefore always required, namely the PIN code, which is definitely accessible to the user and with which the user can access the Activate the card and scroll through the at least one existing viewing window, so to speak, while the other secret code is the signature access code, which can usually only be activated by the terminal, provided that the multifunction card has stored the signature code at all and is not preferred from the start.
  • the terminal computer can, of course, query the central computer because, by entering the multifunction card, it can capture the other data and use it for communication with the central unit.
  • the invention is also suitable for use as a key, master key, device for enabling access to buildings, cars and the like. the like

Landscapes

  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Hardware Design (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Accounting & Taxation (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Credit Cards Or The Like (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Storage Device Security (AREA)
EP90103516A 1989-03-01 1990-02-23 Verfahren und Vorrichtung zur Vereinfachung des Gebrauchs einer Vielzahl von Kreditkarten u. dgl. Expired - Lifetime EP0385290B1 (de)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE3906349 1989-03-01
DE3906349A DE3906349A1 (de) 1989-03-01 1989-03-01 Verfahren und vorrichtung zur vereinfachung des gebrauchs einer vielzahl von kreditkarten u. dgl.

Publications (2)

Publication Number Publication Date
EP0385290A1 EP0385290A1 (de) 1990-09-05
EP0385290B1 true EP0385290B1 (de) 1995-01-18

Family

ID=6375163

Family Applications (1)

Application Number Title Priority Date Filing Date
EP90103516A Expired - Lifetime EP0385290B1 (de) 1989-03-01 1990-02-23 Verfahren und Vorrichtung zur Vereinfachung des Gebrauchs einer Vielzahl von Kreditkarten u. dgl.

Country Status (26)

Country Link
US (1) US5276311A (es)
EP (1) EP0385290B1 (es)
JP (2) JPH0340081A (es)
KR (1) KR0151394B1 (es)
AR (1) AR248196A1 (es)
AT (1) ATE117445T1 (es)
AU (1) AU649219B2 (es)
BG (1) BG60020B2 (es)
BR (1) BR9005549A (es)
CA (1) CA2011090C (es)
CZ (1) CZ283996B6 (es)
DD (1) DD292983A5 (es)
DE (2) DE3906349A1 (es)
DK (1) DK0385290T3 (es)
ES (1) ES2069613T3 (es)
FI (1) FI98251C (es)
GR (1) GR3015784T3 (es)
HU (1) HU217494B (es)
MX (1) MX174100B (es)
NO (1) NO303474B1 (es)
OA (1) OA09269A (es)
PT (1) PT93281B (es)
RO (1) RO115764B1 (es)
RU (1) RU2139570C1 (es)
WO (1) WO1990010279A1 (es)
ZA (1) ZA901402B (es)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2004023432A1 (en) * 2002-09-09 2004-03-18 Peter Dyer Memory aid
AU2003258358B2 (en) * 2002-09-09 2008-06-19 Peter Dyer Memory aid
US7692667B2 (en) 2001-08-17 2010-04-06 Palm, Inc. Handheld computer having moveable segments that are interactive with an integrated display

Families Citing this family (541)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
SE9101105L (sv) 1991-04-12 1992-08-03 Comvik Gsm Ab Foerfarande vid telefonsystem
DE4129067C2 (de) * 1991-09-02 1995-04-13 Grundig Emv Elektronisches Gerät zur Durchführung einer Vielzahl von Funktionen
US7028187B1 (en) 1991-11-15 2006-04-11 Citibank, N.A. Electronic transaction apparatus for electronic commerce
US5557518A (en) 1994-04-28 1996-09-17 Citibank, N.A. Trusted agents for open electronic commerce
DE4230866B4 (de) * 1992-09-16 2004-02-05 Venture Engineering Managementgesellschaft Mbh Datenaustauschsystem
US6292092B1 (en) * 1993-02-19 2001-09-18 Her Majesty The Queen In Right Of Canada, As Represented By The Minister Of Communication Secure personal identification instrument and method for creating same
JPH06251206A (ja) * 1993-02-26 1994-09-09 Fujitsu Ltd 複数の機能を発揮するカードの処理方式
US5523794A (en) * 1993-04-16 1996-06-04 Mankovitz; Roy J. Method and apparatus for portable storage and use of data transmitted by television signal
WO1994028512A1 (de) * 1993-05-28 1994-12-08 Mannesmann Ag Verfahren zur verrechnung der nutzungsgebühren für dienstleistungen mittels einer wertspeicherkarte
AU7053994A (en) * 1993-06-11 1995-01-03 Moore Business Forms, Inc. Magnetic card tickets for events
DE4328340A1 (de) * 1993-08-24 1995-03-02 Gerhard Bihler Programmierbare Zahlscheine
US5521966A (en) * 1993-12-14 1996-05-28 At&T Corp. Method and system for mediating transactions that use portable smart cards
US5578808A (en) * 1993-12-22 1996-11-26 Datamark Services, Inc. Data card that can be used for transactions involving separate card issuers
US5530232A (en) * 1993-12-22 1996-06-25 Datamark Services, Inc. Multi-application data card
US6088797A (en) * 1994-04-28 2000-07-11 Rosen; Sholom S. Tamper-proof electronic processing device
US6925439B1 (en) 1994-06-20 2005-08-02 C-Sam, Inc. Device, system and methods of conducting paperless transactions
US5590038A (en) * 1994-06-20 1996-12-31 Pitroda; Satyan G. Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions
DE4426486C2 (de) * 1994-07-26 2002-03-14 Scheidt & Bachmann Gmbh Verfahren zur Sicherung von Buchungsvorgängen auf an Kunden auszugebende bzw. ausgegebene Wertkarten
US5834747A (en) * 1994-11-04 1998-11-10 Pixel Instruments Universal credit card apparatus and method
DE4445847A1 (de) * 1994-12-22 1996-06-27 Sel Alcatel Ag Verfahren zum Verkaufen von Datensätzen sowie Verkaufsautomat, Speichereinrichtung und Chip-Karte dafür und Verkaufs-System für Telekommunikations-Software damit
DE19511031C2 (de) * 1995-03-28 2000-06-29 Deutsche Telekom Mobil Chipkarte für den Einsatz in einem Mobilfunknetz
US5745102A (en) * 1995-04-25 1998-04-28 Bloch; Harry S. Electro-optical display for a digital data storage device
US5745886A (en) * 1995-06-07 1998-04-28 Citibank, N.A. Trusted agents for open distribution of electronic money
DE19522029A1 (de) * 1995-06-17 1996-12-19 Uestra Hannoversche Verkehrsbe Vorrichtung zum Lesen und/oder Schreiben von Speicherkarten
NL1000988C2 (nl) * 1995-08-16 1997-02-18 Nederland Ptt Werkwijze voor het met dezelfde gegevensdrager kunnen uitvoeren van verschillende authenticatieprocessen, alsmede systeem.
US5671280A (en) * 1995-08-30 1997-09-23 Citibank, N.A. System and method for commercial payments using trusted agents
US5721781A (en) * 1995-09-13 1998-02-24 Microsoft Corporation Authentication system and method for smart card transactions
DE19545020A1 (de) * 1995-12-02 1997-06-05 Dieter Ammer Verfahren zum Freigeben von Identifikationsgegenständen
DE19604691A1 (de) * 1996-02-09 1997-08-14 Sel Alcatel Ag Chip-Karte, Verfahren und System zur Nutzung von kostenpflichtigen Diensten
FR2745406B1 (fr) * 1996-02-23 1998-06-26 Sligos Carte de gestion de comptes multiples et procede de mise en oeuvre
ES2114488B1 (es) * 1996-04-18 1999-01-01 Univ Madrid Politecnica Sistema de seguridad para acceso, identificacion y control de presencia en viviendas, locales, y superficies comerciales, que puede realizar transacciones electronicas mediante tarjeta inteligente.
FR2749417B1 (fr) * 1996-05-30 1998-08-21 Girod Raoul Appareil pour signature et ecriture a distance
DE19625410A1 (de) * 1996-06-25 1998-01-02 Siemens Ag Verfahren zur Konfiguration einer rechnergesteuerten medizinischen Diagnoseanlage
FR2751104B1 (fr) * 1996-07-11 1998-12-31 Stoffel Laurent Procede de controle de transactions securisees independantes utilisant un dispositif physique unique
NL1003802C1 (nl) 1996-07-24 1998-01-28 Chiptec International Ltd Identiteitsbewijs en identificatiesysteem bestemd voor toepassing daarmee.
US20070292006A1 (en) * 1996-08-07 2007-12-20 Johnson Alice A Fingerprint compiler program of explanation
DE19745641A1 (de) * 1996-10-16 1999-11-25 Phat Chon Chau Postrationalisierung, - automatisierung, -modernisierung
DE19718115A1 (de) * 1996-12-23 1998-06-25 Ccs Chipcard & Comm Syst Gmbh Chipkarte und Verfahren zur Verwendung der Chipkarte
FR2757977B1 (fr) * 1996-12-27 1999-01-22 Schlumberger Ind Sa Systeme de lecture de donnees dans une memoire d'un composant electronique
US6012636A (en) * 1997-04-22 2000-01-11 Smith; Frank E. Multiple card data system having first and second memory elements including magnetic strip and fingerprints scanning means
US6134613A (en) * 1997-06-16 2000-10-17 Iomega Corporation Combined video processing and peripheral interface card for connection to a computer bus
US6926203B1 (en) * 1997-06-24 2005-08-09 Richard P. Sehr Travel system and methods utilizing multi-application traveler devices
IL121192A0 (en) * 1997-06-30 1997-11-20 Ultimus Ltd Processing system and method for a heterogeneous electronic cash environment
DE19728004C2 (de) * 1997-07-01 2001-10-31 Diemer Bernhard Von Mobile elektronische Kommunikationseinrichtung
US6016476A (en) * 1997-08-11 2000-01-18 International Business Machines Corporation Portable information and transaction processing system and method utilizing biometric authorization and digital certificate security
DE19735311C2 (de) * 1997-08-14 2000-02-10 Manfred Holtkamp Elektronik Gm Zusatzgerät für ein geschlossenes Verkaufs- oder Dienstleistungs-System
WO1999021128A1 (en) * 1997-10-22 1999-04-29 Cambridge Consultants Limited Portable ic card
US6019284A (en) 1998-01-27 2000-02-01 Viztec Inc. Flexible chip card with display
ID26352A (id) * 1998-01-27 2000-12-14 Viztec Inc Pentransmisian iklan ke kartu pintar
US6293465B1 (en) * 1998-02-27 2001-09-25 Intel Corporation CMOS imaging device with integrated identification circuitry
US6450407B1 (en) 1998-04-17 2002-09-17 Viztec, Inc. Chip card rebate system
US6199762B1 (en) * 1998-05-06 2001-03-13 American Express Travel Related Services Co., Inc. Methods and apparatus for dynamic smartcard synchronization and personalization
US7357312B2 (en) * 1998-05-29 2008-04-15 Gangi Frank J System for associating identification and personal data for multiple magnetic stripe cards or other sources to facilitate a transaction and related methods
US7083087B1 (en) 2000-09-18 2006-08-01 E-Micro Corporation Method and apparatus for associating identification and personal data for multiple magnetic stripe cards or other sources
US6938821B2 (en) * 2000-09-18 2005-09-06 E-Micro Corporation Method and apparatus for associating identification and personal data for multiple magnetic stripe cards or other sources
US6131811A (en) * 1998-05-29 2000-10-17 E-Micro Corporation Wallet consolidator
US7536349B1 (en) 1998-06-16 2009-05-19 Walker Digital, Llc Method and apparatus for processing a charge applied to a financial account
US7809642B1 (en) 1998-06-22 2010-10-05 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
US6615189B1 (en) 1998-06-22 2003-09-02 Bank One, Delaware, National Association Debit purchasing of stored value card for use by and/or delivery to others
US6820063B1 (en) 1998-10-26 2004-11-16 Microsoft Corporation Controlling access to content based on certificates and access predicates
US20050060549A1 (en) * 1998-10-26 2005-03-17 Microsoft Corporation Controlling access to content based on certificates and access predicates
US7139915B2 (en) * 1998-10-26 2006-11-21 Microsoft Corporation Method and apparatus for authenticating an open system application to a portable IC device
US7194092B1 (en) 1998-10-26 2007-03-20 Microsoft Corporation Key-based secure storage
US7174457B1 (en) 1999-03-10 2007-02-06 Microsoft Corporation System and method for authenticating an operating system to a central processing unit, providing the CPU/OS with secure storage, and authenticating the CPU/OS to a third party
US6609199B1 (en) 1998-10-26 2003-08-19 Microsoft Corporation Method and apparatus for authenticating an open system application to a portable IC device
US6327652B1 (en) 1998-10-26 2001-12-04 Microsoft Corporation Loading and identifying a digital rights management operating system
US6330670B1 (en) 1998-10-26 2001-12-11 Microsoft Corporation Digital rights management operating system
US6032136A (en) 1998-11-17 2000-02-29 First Usa Bank, N.A. Customer activated multi-value (CAM) card
US7660763B1 (en) 1998-11-17 2010-02-09 Jpmorgan Chase Bank, N.A. Customer activated multi-value (CAM) card
AU763571B2 (en) 1998-12-23 2003-07-24 Chase Manhattan Bank, The System and method for integrating trading operations including the generation, processing and tracking of and trade documents
FR2788359B1 (fr) * 1999-01-07 2003-12-12 Leroux Gilles Sa Carte a puce et procede de personnalisation graphique de cartes a puces
DE19906388A1 (de) * 1999-02-16 2000-08-24 Bundesdruckerei Gmbh Verfahren und Vorrichtung zur Personalisierung und Verifizierung von Identitäts- und Sicherheitsdokumenten sowie ein damit verwendbares Identitäts- und Sicherheitsdokument
CA2363760A1 (en) * 1999-02-22 2000-08-31 Cards Etc Pty Limited Card, device, product and product management system
DE19913093C2 (de) 1999-03-23 2001-06-21 Giesecke & Devrient Gmbh Datenträger mit einer Batterie und einer Anzeige
US6651171B1 (en) * 1999-04-06 2003-11-18 Microsoft Corporation Secure execution of program code
US6882984B1 (en) 1999-06-04 2005-04-19 Bank One, Delaware, National Association Credit instrument and system with automated payment of club, merchant, and service provider fees
US7716080B2 (en) * 1999-06-23 2010-05-11 Signature Systems, Llc Method and system for using multi-function cards for storing, managing and aggregating reward points
US7058817B1 (en) * 1999-07-02 2006-06-06 The Chase Manhattan Bank System and method for single sign on process for websites with multiple applications and services
WO2001004821A1 (en) * 1999-07-13 2001-01-18 Hogan Brian F Method and apparatus for settling claims between health care providers and third party payers using a smart card id card
FR2797074B1 (fr) * 1999-07-28 2001-10-12 Gemplus Card Int Architecture de carte a puce integrant des peripheriques
US7376583B1 (en) 1999-08-10 2008-05-20 Gofigure, L.L.C. Device for making a transaction via a communications link
US7720762B1 (en) 2002-10-03 2010-05-18 Gofigure Payments, Llc System and method for electronically processing commercial transactions based upon threshold amount
US7308426B1 (en) * 1999-08-11 2007-12-11 C-Sam, Inc. System and methods for servicing electronic transactions
US20020095387A1 (en) * 1999-08-27 2002-07-18 Bertrand Sosa Online content portal system
US7889052B2 (en) 2001-07-10 2011-02-15 Xatra Fund Mx, Llc Authorizing payment subsequent to RF transactions
AUPQ268999A0 (en) 1999-09-07 1999-09-30 Keycorp Limited Application management for multi application devices
US7239226B2 (en) * 2001-07-10 2007-07-03 American Express Travel Related Services Company, Inc. System and method for payment using radio frequency identification in contact and contactless transactions
US6804786B1 (en) 1999-09-10 2004-10-12 Canon Kabushiki Kaisha User customizable secure access token and multiple level portable interface
US20050108096A1 (en) * 1999-09-28 2005-05-19 Chameleon Network Inc. Portable electronic authorization system and method
US7080037B2 (en) * 1999-09-28 2006-07-18 Chameleon Network Inc. Portable electronic authorization system and method
EP1216460A1 (en) * 1999-09-28 2002-06-26 Chameleon Network Inc. Portable electronic authorization system and associated method
US7340439B2 (en) * 1999-09-28 2008-03-04 Chameleon Network Inc. Portable electronic authorization system and method
DE19951087A1 (de) * 1999-10-23 2001-04-26 Roland Setzer Verfahren und Vorrichtung zur Verwaltung und Bearbeitung einer Vielzahl von Karteneinheiten
US6705520B1 (en) 1999-11-15 2004-03-16 Satyan G. Pitroda Point of sale adapter for electronic transaction device
JP2003515228A (ja) * 1999-11-15 2003-04-22 シー−サム、インコーポレーテッド 電子商取引装置用のｐｏｓおよびディスプレイアダプタ
US7370004B1 (en) 1999-11-15 2008-05-06 The Chase Manhattan Bank Personalized interactive network architecture
US8793160B2 (en) 1999-12-07 2014-07-29 Steve Sorem System and method for processing transactions
US6757824B1 (en) * 1999-12-10 2004-06-29 Microsoft Corporation Client-side boot domains and boot rules
US6427910B1 (en) 1999-12-17 2002-08-06 International Business Machines Corporation Method for managing and updating overloaded cards
US6431443B1 (en) 1999-12-17 2002-08-13 International Business Machines Corporation Overloaded card information display
US6427909B1 (en) * 1999-12-17 2002-08-06 International Business Machines Corporation System and method for overloading an existing card
US6427911B1 (en) 1999-12-17 2002-08-06 International Business Machines Corporation Billing/clearing house system and method for an overloaded card
US7016876B1 (en) 1999-12-29 2006-03-21 First Data Corporation System and method for utilizing an exclusion list database for casinos
US6965865B2 (en) 1999-12-30 2005-11-15 Bank One Delaware N.A. System and method for integrated customer management
US7870065B2 (en) 2000-01-05 2011-01-11 Uniteller Financial Services, Inc. Money-transfer techniques
US6938013B1 (en) 2000-01-05 2005-08-30 Uniteller Financial Services, Inc. Money-transfer techniques
US7720754B1 (en) 2000-01-05 2010-05-18 Uniteller Financial Services, Inc. Money-transfer techniques
US6742704B2 (en) * 2000-01-21 2004-06-01 American Express Travel Related Services Company, Inc. Multiple-service card system
US7163145B2 (en) * 2000-01-21 2007-01-16 American Express Travel Related Services Co., Inc. Geographic area multiple service card system
US8543423B2 (en) * 2002-07-16 2013-09-24 American Express Travel Related Services Company, Inc. Method and apparatus for enrolling with multiple transaction environments
US8429041B2 (en) * 2003-05-09 2013-04-23 American Express Travel Related Services Company, Inc. Systems and methods for managing account information lifecycles
US7172112B2 (en) * 2000-01-21 2007-02-06 American Express Travel Related Services Company, Inc. Public/private dual card system and method
US6615190B1 (en) * 2000-02-09 2003-09-02 Bank One, Delaware, National Association Sponsor funded stored value card
US7822656B2 (en) 2000-02-15 2010-10-26 Jpmorgan Chase Bank, N.A. International banking system and method
US6941279B1 (en) * 2000-02-23 2005-09-06 Banke One Corporation Mutual fund card method and system
AUPQ585100A0 (en) * 2000-02-25 2000-03-16 Canon Kabushiki Kaisha Customisable filter interface
AU2001243473A1 (en) * 2000-03-07 2001-09-17 American Express Travel Related Services Company, Inc. System for facilitating a transaction
IT1315875B1 (it) 2000-03-22 2003-03-26 Italdata Ingegneria Dell Idea Apparecchiatura portatile per l'identificazione scientifica di unindividuo.
US7113914B1 (en) * 2000-04-07 2006-09-26 Jpmorgan Chase Bank, N.A. Method and system for managing risks
US6915277B1 (en) 2000-05-10 2005-07-05 General Electric Capital Corporation Method for dual credit card system
US6505772B1 (en) 2000-06-22 2003-01-14 First Data Corporation System for utilizing a single card to provide multiple services in an open network environment
CA2407549C (fr) * 2000-06-28 2004-09-14 G. Holdings Ltd. Systeme de transaction avec dispositif personnel portatif d'identification et de controle de transaction
US7890433B2 (en) 2000-06-30 2011-02-15 Tara Chand Singhal Private and secure payment system
US7529563B1 (en) 2000-07-10 2009-05-05 Pitroda Satyan G System for distribution and use of virtual stored value cards
AU2001282935A1 (en) * 2000-08-01 2002-02-13 First Usa Bank, N.A. System and method for transponder-enabled account transactions
US8015084B1 (en) 2000-09-06 2011-09-06 Jpmorgan Chase Bank, N.A. System and method for linked account having sweep feature
US7237123B2 (en) * 2000-09-22 2007-06-26 Ecd Systems, Inc. Systems and methods for preventing unauthorized use of digital content
AU2001292910B2 (en) * 2000-09-22 2008-05-01 Sca Ipla Holdings, Inc. Systems and methods for preventing unauthorized use of digital content
US6601759B2 (en) 2000-10-04 2003-08-05 American Express Travel Related Services System and method for providing feedback in an interactive payment system
WO2002035464A2 (fr) * 2000-10-23 2002-05-02 Omega Electronics S.A. Systeme d'identification electronique sans contact
US7103556B2 (en) * 2000-11-02 2006-09-05 Jpmorgan Chase Bank, N.A. System and method for aggregate portfolio client support
KR20010008281A (ko) * 2000-11-20 2001-02-05 김옥주 여러장의 카드를 한장의 카드로 사용하기 위한 방법 및 그장치
US6938164B1 (en) 2000-11-22 2005-08-30 Microsoft Corporation Method and system for allowing code to be securely initialized in a computer
US6631849B2 (en) * 2000-12-06 2003-10-14 Bank One, Delaware, National Association Selectable multi-purpose card
WO2002046881A2 (en) * 2000-12-09 2002-06-13 Singhal Tara Chand Method and apparatus for an integrated identity security and payment system
US7433829B2 (en) 2000-12-12 2008-10-07 Jpmorgan Chase Bank, N.A. System and method for managing global risk
US8103877B2 (en) 2000-12-21 2012-01-24 Digimarc Corporation Content identification and electronic tickets, coupons and credits
US6965683B2 (en) * 2000-12-21 2005-11-15 Digimarc Corporation Routing networks for use with watermark systems
US6985873B2 (en) * 2001-01-18 2006-01-10 First Usa Bank, N.A. System and method for administering a brokerage rebate card program
US8805739B2 (en) * 2001-01-30 2014-08-12 Jpmorgan Chase Bank, National Association System and method for electronic bill pay and presentment
CA2434192A1 (fr) * 2001-03-16 2002-09-26 G. Holdings Ltd. Systeme et methode de renouvellement de donnees d'identification sur un dispositif de transaction portatif
US7526449B1 (en) 2001-04-17 2009-04-28 Jpmorgan Chase Bank N.A. Optically encoded card and system and method for using
US8849716B1 (en) 2001-04-20 2014-09-30 Jpmorgan Chase Bank, N.A. System and method for preventing identity theft or misuse by restricting access
CA2446584A1 (en) * 2001-05-09 2002-11-14 Ecd Systems, Inc. Systems and methods for the prevention of unauthorized use and manipulation of digital content
US7313546B2 (en) 2001-05-23 2007-12-25 Jp Morgan Chase Bank, N.A. System and method for currency selectable stored value instrument
US7650314B1 (en) 2001-05-25 2010-01-19 American Express Travel Related Services Company, Inc. System and method for securing a recurrent billing transaction
US7542942B2 (en) * 2001-07-10 2009-06-02 American Express Travel Related Services Company, Inc. System and method for securing sensitive information during completion of a transaction
WO2002099598A2 (en) 2001-06-07 2002-12-12 First Usa Bank, N.A. System and method for rapid updating of credit information
US6745944B2 (en) * 2001-06-20 2004-06-08 Capital One Financial Corporation System and method for identifying applications loaded in a smart card
US7783566B2 (en) * 2001-06-27 2010-08-24 American Express Travel Related Services Company, Inc. Consolidated payment account system and method
US20030078890A1 (en) * 2001-07-06 2003-04-24 Joachim Schmidt Multimedia content download apparatus and method using same
US7746215B1 (en) 2001-07-10 2010-06-29 Fred Bishop RF transactions using a wireless reader grid
US7925535B2 (en) 2001-07-10 2011-04-12 American Express Travel Related Services Company, Inc. System and method for securing RF transactions using a radio frequency identification device including a random number generator
US7360689B2 (en) * 2001-07-10 2008-04-22 American Express Travel Related Services Company, Inc. Method and system for proffering multiple biometrics for use with a FOB
US8279042B2 (en) 2001-07-10 2012-10-02 Xatra Fund Mx, Llc Iris scan biometrics on a payment device
US8294552B2 (en) 2001-07-10 2012-10-23 Xatra Fund Mx, Llc Facial scan biometrics on a payment device
US7249112B2 (en) 2002-07-09 2007-07-24 American Express Travel Related Services Company, Inc. System and method for assigning a funding source for a radio frequency identification device
US20040236699A1 (en) * 2001-07-10 2004-11-25 American Express Travel Related Services Company, Inc. Method and system for hand geometry recognition biometrics on a fob
US20090008441A1 (en) * 2001-07-10 2009-01-08 Xatra Fund Mx, Llc Tracking rf transaction activity using a transaction device identifier
US20050160003A1 (en) * 2001-07-10 2005-07-21 American Express Travel Related Services Company, Inc. System and method for incenting rfid transaction device usage at a merchant location
US20060237528A1 (en) * 2001-07-10 2006-10-26 Fred Bishop Systems and methods for non-traditional payment
US9024719B1 (en) 2001-07-10 2015-05-05 Xatra Fund Mx, Llc RF transaction system and method for storing user personal data
US8635131B1 (en) 2001-07-10 2014-01-21 American Express Travel Related Services Company, Inc. System and method for managing a transaction protocol
US7503480B2 (en) 2001-07-10 2009-03-17 American Express Travel Related Services Company, Inc. Method and system for tracking user performance
US8548927B2 (en) 2001-07-10 2013-10-01 Xatra Fund Mx, Llc Biometric registration for facilitating an RF transaction
US7668750B2 (en) 2001-07-10 2010-02-23 David S Bonalle Securing RF transactions using a transactions counter
US9031880B2 (en) * 2001-07-10 2015-05-12 Iii Holdings 1, Llc Systems and methods for non-traditional payment using biometric data
US8960535B2 (en) * 2001-07-10 2015-02-24 Iii Holdings 1, Llc Method and system for resource management and evaluation
US7996324B2 (en) * 2001-07-10 2011-08-09 American Express Travel Related Services Company, Inc. Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia
US7762457B2 (en) 2001-07-10 2010-07-27 American Express Travel Related Services Company, Inc. System and method for dynamic fob synchronization and personalization
US7119659B2 (en) * 2001-07-10 2006-10-10 American Express Travel Related Services Company, Inc. Systems and methods for providing a RF transaction device for use in a private label transaction
US7463133B2 (en) 2001-07-10 2008-12-09 American Express Travel Related Services Company, Inc. Systems and methods for providing a RF transaction device operable to store multiple distinct calling card accounts
US8001054B1 (en) 2001-07-10 2011-08-16 American Express Travel Related Services Company, Inc. System and method for generating an unpredictable number using a seeded algorithm
US9454752B2 (en) 2001-07-10 2016-09-27 Chartoleaux Kg Limited Liability Company Reload protocol at a transaction processing entity
US7805378B2 (en) 2001-07-10 2010-09-28 American Express Travel Related Servicex Company, Inc. System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions
US7735725B1 (en) 2001-07-10 2010-06-15 Fred Bishop Processing an RF transaction using a routing number
US7429927B2 (en) * 2001-07-10 2008-09-30 American Express Travel Related Services Company, Inc. System and method for providing and RFID transaction device
US7303120B2 (en) 2001-07-10 2007-12-04 American Express Travel Related Services Company, Inc. System for biometric security using a FOB
US7266839B2 (en) * 2001-07-12 2007-09-04 J P Morgan Chase Bank System and method for providing discriminated content to network users
US6814285B1 (en) 2001-07-13 2004-11-09 Chip B. Stroup Credit information storage and transferring device
AU2002327322A1 (en) 2001-07-24 2003-02-17 First Usa Bank, N.A. Multiple account card and transaction routing
US20030019942A1 (en) * 2001-07-24 2003-01-30 Blossom George W. System and method for electronically readable card having power source
US7809641B2 (en) * 2001-07-26 2010-10-05 Jpmorgan Chase Bank, National Association System and method for funding a collective account
GB0118973D0 (en) * 2001-08-03 2001-09-26 Koninkl Philips Electronics Nv Electronic key and reader apparatus for a lock
US8020754B2 (en) 2001-08-13 2011-09-20 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
US7311244B1 (en) 2001-08-13 2007-12-25 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
US6945453B1 (en) * 2001-08-13 2005-09-20 Bank One Delaware N.A. System and method for funding a collective account by use of an electronic tag
US8800857B1 (en) 2001-08-13 2014-08-12 Jpmorgan Chase Bank, N.A. System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag
US6726232B2 (en) * 2001-10-01 2004-04-27 Honda Giken Kogyo Kabushiki Kaisha Steering damper for saddle-type vehicle
US7822684B2 (en) * 2001-10-05 2010-10-26 Jpmorgan Chase Bank, N.A. Personalized bank teller machine
US20070078719A1 (en) * 2001-11-01 2007-04-05 Jp Morgan Chase Bank S/M for offering reward programs
US7159240B2 (en) * 2001-11-16 2007-01-02 Microsoft Corporation Operating system upgrades in a trusted operating system environment
US7137004B2 (en) * 2001-11-16 2006-11-14 Microsoft Corporation Manifest-based trusted agent management in a trusted operating system environment
US7243230B2 (en) 2001-11-16 2007-07-10 Microsoft Corporation Transferring application secrets in a trusted operating system environment
AU2002360404A1 (en) 2001-11-19 2003-06-10 Robert L. Burchette Jr. Transaction card system having security against unauthorized usage
US20060118621A1 (en) * 2001-11-19 2006-06-08 Burchette Robert L Jr Transaction card system having security against unauthorized usage
US7987501B2 (en) 2001-12-04 2011-07-26 Jpmorgan Chase Bank, N.A. System and method for single session sign-on
US20100030675A1 (en) * 2001-12-06 2010-02-04 Hanan Christopher C Payor focused business to business electronic invoice presentment and accounts payable reconciliation system and method
US7512566B1 (en) 2001-12-11 2009-03-31 Jpmorgan Chase Bank, N.A. System and method for using a stored value account having subaccount feature
DE10163266A1 (de) * 2001-12-21 2003-07-03 Giesecke & Devrient Gmbh Wertdokument und Vorrichtung zur Bearbeitung von Wertdokumenten
US7051932B2 (en) 2001-12-26 2006-05-30 Vivotech, Inc. Adaptor for magnetic stripe card reader
US7028897B2 (en) * 2001-12-26 2006-04-18 Vivotech, Inc. Adaptor for magnetic stripe card reader
US20040159700A1 (en) * 2001-12-26 2004-08-19 Vivotech, Inc. Method and apparatus for secure import of information into data aggregation program hosted by personal trusted device
US20030130912A1 (en) 2002-01-04 2003-07-10 Davis Tommy Lee Equipment management system
US6811078B2 (en) * 2002-01-17 2004-11-02 Monica L. Workens Point-of-transaction machine with improved versatility and related method
US7593875B2 (en) 2002-03-08 2009-09-22 Jp Morgan Chase Bank Financial system for isolated economic environment
US8392301B1 (en) 2002-03-08 2013-03-05 Jpmorgan Chase Bank, N.A. Financial system for isolated economic environment
US7756896B1 (en) 2002-03-11 2010-07-13 Jp Morgan Chase Bank System and method for multi-dimensional risk analysis
US20030172017A1 (en) * 2002-03-11 2003-09-11 Vincent Feingold High performance multi-dimensional risk engines for enterprise wide market risk management
EP1488385A2 (en) * 2002-03-19 2004-12-22 Chameleon Network Inc. Portable electronic authorization system and method
US7899753B1 (en) * 2002-03-25 2011-03-01 Jpmorgan Chase Bank, N.A Systems and methods for time variable financial authentication
US20030182172A1 (en) * 2002-03-25 2003-09-25 Claggett Stuart Lee System and method to build project management processes
US20180165441A1 (en) 2002-03-25 2018-06-14 Glenn Cobourn Everhart Systems and methods for multifactor authentication
US7213742B1 (en) 2003-03-20 2007-05-08 Convergys Information Management Group, Inc. System and method for value creation
AU2003230751A1 (en) * 2002-03-29 2003-10-13 Bank One, Delaware, N.A. System and process for performing purchase transaction using tokens
US20040210498A1 (en) 2002-03-29 2004-10-21 Bank One, National Association Method and system for performing purchase and other transactions using tokens with multiple chips
US7487365B2 (en) * 2002-04-17 2009-02-03 Microsoft Corporation Saving and retrieving data based on symmetric key encryption
US7890771B2 (en) * 2002-04-17 2011-02-15 Microsoft Corporation Saving and retrieving data based on public key encryption
US8396809B1 (en) 2002-05-14 2013-03-12 Hewlett-Packard Development Company, L.P. Method for reducing purchase time
US7606730B2 (en) * 2002-06-25 2009-10-20 American Express Travel Relate Services Company, Inc. System and method for a multiple merchant stored value card
US7788129B2 (en) 2002-06-25 2010-08-31 American Express Travel Related Services Company, Inc. System and method for redeeming vouchers
US7587756B2 (en) 2002-07-09 2009-09-08 American Express Travel Related Services Company, Inc. Methods and apparatus for a secure proximity integrated circuit card transactions
US8412623B2 (en) 2002-07-15 2013-04-02 Citicorp Credit Services, Inc. Method and system for a multi-purpose transactional platform
US8239304B1 (en) 2002-07-29 2012-08-07 Jpmorgan Chase Bank, N.A. Method and system for providing pre-approved targeted products
US20040107170A1 (en) * 2002-08-08 2004-06-03 Fujitsu Limited Apparatuses for purchasing of goods and services
US6805287B2 (en) * 2002-09-12 2004-10-19 American Express Travel Related Services Company, Inc. System and method for converting a stored value card to a credit card
US7809595B2 (en) 2002-09-17 2010-10-05 Jpmorgan Chase Bank, Na System and method for managing risks associated with outside service providers
US7494055B2 (en) * 2002-09-17 2009-02-24 Vivotech, Inc. Collaborative negotiation techniques for mobile personal trusted device financial transactions
US7058660B2 (en) 2002-10-02 2006-06-06 Bank One Corporation System and method for network-based project management
US20040122736A1 (en) 2002-10-11 2004-06-24 Bank One, Delaware, N.A. System and method for granting promotional rewards to credit account holders
TW563153B (en) * 2002-10-15 2003-11-21 Lite On It Corp Method of using lamp indication to expand one push button to have multi-function
US9064281B2 (en) 2002-10-31 2015-06-23 Mastercard Mobile Transactions Solutions, Inc. Multi-panel user interface
US8301493B2 (en) * 2002-11-05 2012-10-30 Jpmorgan Chase Bank, N.A. System and method for providing incentives to consumers to share information
US6676017B1 (en) 2002-11-06 2004-01-13 Smith, Iii Emmitt J. Personal interface device and method
DE10252352A1 (de) * 2002-11-11 2004-05-19 Giesecke & Devrient Gmbh Chipmodul für eine Chipkarte
TW587226B (en) * 2002-12-26 2004-05-11 Min-Jie Su Card verification and authorization system and method thereof
US7652359B2 (en) * 2002-12-27 2010-01-26 Semiconductor Energy Laboratory Co., Ltd. Article having display device
US20050027649A1 (en) * 2003-02-27 2005-02-03 Richard Cech Event typer
US10311412B1 (en) 2003-03-28 2019-06-04 Jpmorgan Chase Bank, N.A. Method and system for providing bundled electronic payment and remittance advice
EP1625553A2 (en) * 2003-05-08 2006-02-15 Koninklijke Philips Electronics N.V. Smart card that stores invisible signatures
JP2006525577A (ja) * 2003-05-08 2006-11-09 コーニンクレッカ　フィリップス　エレクトロニクス　エヌ　ヴィ スマート認証用カード
US8306907B2 (en) * 2003-05-30 2012-11-06 Jpmorgan Chase Bank N.A. System and method for offering risk-based interest rates in a credit instrument
US7606727B1 (en) 2003-06-16 2009-10-20 Jpmorgan Chase Bank, N.A. System and method for identifying optimal marketing offers
US7086586B1 (en) 2003-08-13 2006-08-08 Bank One, Delaware, National Association System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance
US7566001B2 (en) * 2003-08-29 2009-07-28 Semiconductor Energy Laboratory Co., Ltd. IC card
US8156042B2 (en) * 2003-08-29 2012-04-10 Starbucks Corporation Method and apparatus for automatically reloading a stored value card
US7953663B1 (en) 2003-09-04 2011-05-31 Jpmorgan Chase Bank, N.A. System and method for financial instrument pre-qualification and offering
EP1517277A3 (en) * 2003-09-22 2006-10-25 Matsushita Electric Industrial Co., Ltd. Secure device and information processing unit
US8239323B2 (en) * 2003-09-23 2012-08-07 Jpmorgan Chase Bank, N.A. Method and system for distribution of unactivated bank account cards
US20050080672A1 (en) * 2003-10-13 2005-04-14 Starbucks Corporation Creating customer loyalty
WO2005048145A1 (en) * 2003-10-13 2005-05-26 Starbucks Corporation D/B/A Starbucks Coffee Company Dual card
TWI290439B (en) * 2005-11-09 2007-11-21 Min-Chieh Su Mobile communication terminal verification authorization system and method thereof
US7814003B2 (en) * 2003-12-15 2010-10-12 Jp Morgan Chase Billing workflow system for crediting charges to entities creating derivatives exposure
US7146159B1 (en) * 2003-12-23 2006-12-05 Sprint Communications Company L.P. Over-the-air card provisioning system and method
US20050192895A1 (en) 2004-02-10 2005-09-01 First Data Corporation Methods and systems for processing transactions
US7044368B1 (en) * 2004-02-17 2006-05-16 Gary Barron Multi-functional data card
US7059520B1 (en) 2005-03-17 2006-06-13 Joel Shtesl Universal credit card integrated with cellular telephone
JP4279185B2 (ja) * 2004-03-29 2009-06-17 富士フイルム株式会社 マルチカード
DE102004026276B4 (de) * 2004-05-28 2016-09-29 Giesecke & Devrient Gmbh Verfahren zum Betreiben eines tragbaren Datenträgers
US8554673B2 (en) 2004-06-17 2013-10-08 Jpmorgan Chase Bank, N.A. Methods and systems for discounts management
US7467106B1 (en) 2004-06-18 2008-12-16 Jpmorgan Chase Bank, N.A. System and method for offer management
US8429006B1 (en) 2004-06-18 2013-04-23 Jpmorgan Chase Bank, N.A. System and method for offer targeting
US8121944B2 (en) 2004-06-24 2012-02-21 Jpmorgan Chase Bank, N.A. Method and system for facilitating network transaction processing
US7318550B2 (en) 2004-07-01 2008-01-15 American Express Travel Related Services Company, Inc. Biometric safeguard method for use with a smartcard
US20060004658A1 (en) * 2004-07-02 2006-01-05 Wunchun Chau Method of processing credit payments at delivery
US7392222B1 (en) 2004-08-03 2008-06-24 Jpmorgan Chase Bank, N.A. System and method for providing promotional pricing
US7870071B2 (en) * 2004-09-08 2011-01-11 American Express Travel Related Services Company, Inc. Systems, methods, and devices for combined credit card and stored value transaction accounts
US20060095307A1 (en) * 2004-11-01 2006-05-04 Stevenson Jeffrey W Method and system for establishing a defined benefit plan
GB0424376D0 (en) * 2004-11-03 2004-12-08 Wood Mark R Identification label
DE602005013635D1 (de) * 2005-02-04 2009-05-14 Research In Motion Ltd Vorrichtung und Verfahren für das Aufladen einer Batterie über kapazitiver Kopplung
US8630898B1 (en) 2005-02-22 2014-01-14 Jpmorgan Chase Bank, N.A. Stored value card provided with merchandise as rebate
US7900253B2 (en) * 2005-03-08 2011-03-01 Xceedid Corporation Systems and methods for authorization credential emulation
US8684267B2 (en) 2005-03-26 2014-04-01 Privasys Method for broadcasting a magnetic stripe data packet from an electronic smart card
US20080148394A1 (en) 2005-03-26 2008-06-19 Mark Poidomani Electronic financial transaction cards and methods
US8226001B1 (en) 2010-06-23 2012-07-24 Fiteq, Inc. Method for broadcasting a magnetic stripe data packet from an electronic smart card
US7353034B2 (en) 2005-04-04 2008-04-01 X One, Inc. Location sharing and tracking using mobile phones or other wireless devices
US20080308627A1 (en) * 2005-04-07 2008-12-18 Sines Randy D Financial and similar identification cards and methods relating thereto including awards
WO2006116772A2 (en) 2005-04-27 2006-11-02 Privasys, Inc. Electronic cards and methods for making same
US7353996B2 (en) * 2005-04-28 2008-04-08 International Business Machines Corporation Device for storing and displaying selected bar codes
US20080035738A1 (en) * 2005-05-09 2008-02-14 Mullen Jeffrey D Dynamic credit card with magnetic stripe and embedded encoder and methods for using the same to provide a copy-proof credit card
US7793851B2 (en) * 2005-05-09 2010-09-14 Dynamics Inc. Dynamic credit card with magnetic stripe and embedded encoder and methods for using the same to provide a copy-proof credit card
US7401731B1 (en) * 2005-05-27 2008-07-22 Jpmorgan Chase Bank, Na Method and system for implementing a card product with multiple customized relationships
US7822682B2 (en) * 2005-06-08 2010-10-26 Jpmorgan Chase Bank, N.A. System and method for enhancing supply chain transactions
US20070027799A1 (en) * 2005-07-29 2007-02-01 Jpmorgan Chase Bank, N.A. Universal line of credit having multiple financial product features
US8762263B2 (en) 2005-09-06 2014-06-24 Visa U.S.A. Inc. System and method for secured account numbers in proximity devices
EP2667344A3 (en) 2005-10-06 2014-08-27 C-Sam, Inc. Transactional services
US10026079B2 (en) 2005-10-06 2018-07-17 Mastercard Mobile Transactions Solutions, Inc. Selecting ecosystem features for inclusion in operational tiers of a multi-domain ecosystem platform for secure personalized transactions
US20130339232A1 (en) 2005-10-06 2013-12-19 C-Sam, Inc. Widget framework for securing account information for a plurality of accounts in a wallet
US9135761B2 (en) 2005-11-21 2015-09-15 Assa Abloy Ab Method of migrating RFID transponders in situ
EP1793307B1 (en) * 2005-12-05 2013-10-02 BlackBerry Limited A portable electronic device and capacitive charger providing data transfer and associated methods
US7784692B1 (en) * 2005-12-29 2010-08-31 United Services Automobile Association (Usaa) Single access vehicle
US8408455B1 (en) 2006-02-08 2013-04-02 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US20070185820A1 (en) * 2006-02-08 2007-08-09 Talker Albert I Multi-account security verification system with a virtual account and linked multiple real accounts
US7784682B2 (en) * 2006-02-08 2010-08-31 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US7225975B1 (en) * 2006-02-16 2007-06-05 Bank Of America Corporation Check carrier
JP4886337B2 (ja) * 2006-03-31 2012-02-29 株式会社日本総合研究所 Ｉｃカード及びｉｃカードシステム
US7753259B1 (en) 2006-04-13 2010-07-13 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US8668146B1 (en) 2006-05-25 2014-03-11 Sean I. Mcghie Rewards program with payment artifact permitting conversion/transfer of non-negotiable credits to entity independent funds
US9704174B1 (en) 2006-05-25 2017-07-11 Sean I. Mcghie Conversion of loyalty program points to commerce partner points per terms of a mutual agreement
US10062062B1 (en) 2006-05-25 2018-08-28 Jbshbm, Llc Automated teller machine (ATM) providing money for loyalty points
US7703673B2 (en) 2006-05-25 2010-04-27 Buchheit Brian K Web based conversion of non-negotiable credits associated with an entity to entity independent negotiable funds
US8684265B1 (en) 2006-05-25 2014-04-01 Sean I. Mcghie Rewards program website permitting conversion/transfer of non-negotiable credits to entity independent funds
US7505918B1 (en) 2006-05-26 2009-03-17 Jpmorgan Chase Bank Method and system for managing risks
US20090309701A1 (en) * 2006-06-08 2009-12-17 Amram Peled Computer based credit card
US7735733B2 (en) * 2006-07-17 2010-06-15 Mastercard International, Inc. Multiple account wireless payment device
US20080017704A1 (en) * 2006-07-24 2008-01-24 First Data Corporation Contactless Electronic Wallet Payment Device
US7578431B2 (en) * 2006-09-06 2009-08-25 Mastercard International, Inc. Proximity payment card with printed indication of switch location
US7762471B2 (en) * 2006-09-07 2010-07-27 Mastercard International, Inc. Proximity payment card with cost-effective connection between user-actuatable input switch and RFID IC
US7997498B2 (en) 2006-09-08 2011-08-16 Mastercard International, Inc. Identification of installable card
US20080061150A1 (en) * 2006-09-08 2008-03-13 Simon Phillips Identification token and method of making identification token
US7861931B2 (en) * 2006-11-06 2011-01-04 Mastercard International, Inc. Method, apparatus, assembly and kit for identification token
US8730012B2 (en) * 2007-01-05 2014-05-20 Mastercard International Incorporated Enabling identification token for a timed period
JP5301463B2 (ja) * 2007-01-09 2013-09-25 ビザ ユー．エス．エー．インコーポレイテッド 閾値インジケータを含む携帯電話の支払プロセス
US20080177659A1 (en) * 2007-01-19 2008-07-24 Timothy Douglas Lacey Systems and methods for providing financial processing in conjunction with instant messaging and other communications
US7866551B2 (en) * 2007-02-15 2011-01-11 Visa U.S.A. Inc. Dynamic payment device characteristics
US8676642B1 (en) 2007-07-05 2014-03-18 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to financial account holders
US20090018923A1 (en) * 2007-07-13 2009-01-15 Yen-Fu Chen Method and apparatus for recommending a payment method in a transaction
US20090018955A1 (en) * 2007-07-13 2009-01-15 Yen-Fu Chen Method and apparatus for providing user access to payment methods
US7992779B2 (en) * 2007-09-10 2011-08-09 Mastercard International, Inc. Method for use in association with identification token and apparatus including identification token
US7837123B2 (en) * 2007-09-10 2010-11-23 Mastercard International, Inc. Identification token and method of making identification token
US9311766B2 (en) 2007-09-12 2016-04-12 Devicefidelity, Inc. Wireless communicating radio frequency signals
US8915447B2 (en) 2007-09-12 2014-12-23 Devicefidelity, Inc. Amplifying radio frequency signals
US8070057B2 (en) 2007-09-12 2011-12-06 Devicefidelity, Inc. Switching between internal and external antennas
US20090070691A1 (en) 2007-09-12 2009-03-12 Devicefidelity, Inc. Presenting web pages through mobile host devices
US9304555B2 (en) * 2007-09-12 2016-04-05 Devicefidelity, Inc. Magnetically coupling radio frequency antennas
US9883381B1 (en) 2007-10-02 2018-01-30 Sprint Communications Company L.P. Providing secure access to smart card applications
US10783514B2 (en) * 2007-10-10 2020-09-22 Mastercard International Incorporated Method and apparatus for use in personalizing identification token
US8095113B2 (en) * 2007-10-17 2012-01-10 First Data Corporation Onetime passwords for smart chip cards
US8565723B2 (en) * 2007-10-17 2013-10-22 First Data Corporation Onetime passwords for mobile wallets
US8417601B1 (en) 2007-10-18 2013-04-09 Jpmorgan Chase Bank, N.A. Variable rate payment card
US8226013B2 (en) * 2007-10-26 2012-07-24 Mastercard International, Inc. Method and apparatus for use in providing an identification token
US20090159709A1 (en) 2007-12-24 2009-06-25 Dynamics Inc. Advanced dynamic credit cards
US8286862B2 (en) * 2007-12-28 2012-10-16 Mastercard International, Inc. Methods and apparatus for use in association with security parameter
US8991695B2 (en) * 2007-12-28 2015-03-31 Mastercard International Incorporated Methods and apparatus for use in docking
US8794532B2 (en) * 2008-12-29 2014-08-05 Mastercard International Incorporated Methods and apparatus for use in association with identification token
US20090166428A1 (en) * 2007-12-28 2009-07-02 Simon Phillips Methods and apparatus for use in association with media
US8622308B1 (en) 2007-12-31 2014-01-07 Jpmorgan Chase Bank, N.A. System and method for processing transactions using a multi-account transactions device
US7766244B1 (en) 2007-12-31 2010-08-03 Jpmorgan Chase Bank, N.A. System and method for processing transactions using a multi-account transactions device
US8083140B1 (en) 2008-02-05 2011-12-27 Sprint Communications Company L.P. System and method of over-the-air provisioning
US8141780B2 (en) 2008-02-23 2012-03-27 Cedar Ridge Research Llc System and method for data card emulation
US20090247101A1 (en) * 2008-03-28 2009-10-01 Ligang Zhang Auto-detection of broadcast channel spacing
US8393535B1 (en) 2008-04-24 2013-03-12 Joan Yee ID theft-reducing device to virtualize ID/transaction cards
US8401681B2 (en) 2008-06-08 2013-03-19 Apple Inc. System and method for placeshifting media playback
US9626363B2 (en) 2008-06-08 2017-04-18 Apple Inc. System and method for placeshifting media playback
US11258652B2 (en) 2008-06-08 2022-02-22 Apple Inc. System and method for placeshifting media playback
WO2010005681A1 (en) 2008-06-16 2010-01-14 Visa U.S.A. Inc. System and method for authorizing financial transactions with online merchants
USD635186S1 (en) 2008-06-30 2011-03-29 Jpmorgan Chase Bank, N.A. Metal transaction device
US9305292B1 (en) 2008-07-03 2016-04-05 Jpmorgan Chase Bank, N.A. Systems and methods for providing an adaptable transponder device
USD636021S1 (en) 2008-07-17 2011-04-12 Jpmorgan Chase Bank, N.A. Eco-friendly transaction device
US20100048226A1 (en) * 2008-08-20 2010-02-25 First Data Corporation Managing mobile marketing offers
US20100078472A1 (en) 2008-09-30 2010-04-01 Apple Inc. Group peer-to-peer financial transactions
US20100082490A1 (en) * 2008-09-30 2010-04-01 Apple Inc. Systems and methods for secure wireless transactions
US20100082455A1 (en) * 2008-09-30 2010-04-01 Apple Inc. Real-time bargain hunting
US8060627B2 (en) * 2008-09-30 2011-11-15 Apple Inc. Device-to-device workflows
US20100082485A1 (en) * 2008-09-30 2010-04-01 Apple Inc. Portable point of purchase devices and methods
US10380573B2 (en) * 2008-09-30 2019-08-13 Apple Inc. Peer-to-peer financial transaction devices and methods
US9037513B2 (en) * 2008-09-30 2015-05-19 Apple Inc. System and method for providing electronic event tickets
US20100078471A1 (en) * 2008-09-30 2010-04-01 Apple Inc. System and method for processing peer-to-peer financial transactions
US8131645B2 (en) * 2008-09-30 2012-03-06 Apple Inc. System and method for processing media gifts
US8239276B2 (en) * 2008-09-30 2012-08-07 Apple Inc. On-the-go shopping list
US8850052B2 (en) * 2008-09-30 2014-09-30 Apple Inc. System and method for simplified resource sharing
US8215546B2 (en) * 2008-09-30 2012-07-10 Apple Inc. System and method for transportation check-in
US9070149B2 (en) * 2008-09-30 2015-06-30 Apple Inc. Media gifting devices and methods
US9026462B2 (en) * 2008-09-30 2015-05-05 Apple Inc. Portable point of purchase user interfaces
US8706588B1 (en) 2008-10-20 2014-04-22 Sprint Communications Company L.P. System and method of provisioning confidential information via a mobile device
US20100125492A1 (en) * 2008-11-14 2010-05-20 Apple Inc. System and method for providing contextual advertisements according to dynamic pricing scheme
US8579203B1 (en) 2008-12-19 2013-11-12 Dynamics Inc. Electronic magnetic recorded media emulators in magnetic card devices
US8812402B2 (en) * 2009-01-05 2014-08-19 Mastercard International Incorporated Methods, apparatus and articles for use in association with token
US8060449B1 (en) 2009-01-05 2011-11-15 Sprint Communications Company L.P. Partially delegated over-the-air provisioning of a secure element
US8684261B2 (en) * 2009-01-20 2014-04-01 Mastercard International Incorporated Methods, apparatus, computer program products and articles for use in providing human understandable indication of account balance
USD620975S1 (en) 2009-02-12 2010-08-03 Jpmorgan Chase Bank, N.A. Transaction device
USD617378S1 (en) 2009-02-12 2010-06-08 Jpmorgan Chase Bank, N.A. Transaction device with a gem-like surface appearance
US8768845B1 (en) 2009-02-16 2014-07-01 Sprint Communications Company L.P. Electronic wallet removal from mobile electronic devices
US20100250812A1 (en) * 2009-02-26 2010-09-30 Richard Webb Electronic multipurpose card
US8931703B1 (en) 2009-03-16 2015-01-13 Dynamics Inc. Payment cards and devices for displaying barcodes
US8622309B1 (en) 2009-04-06 2014-01-07 Dynamics Inc. Payment cards and devices with budgets, parental controls, and virtual accounts
US8282007B1 (en) 2009-04-06 2012-10-09 Dynamics Inc. Laminated cards with manual input interfaces
US9329619B1 (en) 2009-04-06 2016-05-03 Dynamics Inc. Cards with power management
US9235831B2 (en) 2009-04-22 2016-01-12 Gofigure Payments, Llc Mobile payment systems and methods
US8393545B1 (en) 2009-06-23 2013-03-12 Dynamics Inc. Cards deployed with inactivated products for activation
US20100328029A1 (en) * 2009-06-30 2010-12-30 Martin Edward Kolek Method and apparatus for communication device
US8725589B1 (en) 2009-07-30 2014-05-13 Jpmorgan Chase Bank, N.A. Methods for personalizing multi-layer transaction cards
EP2290589A1 (en) * 2009-08-05 2011-03-02 Gemalto SA Electronic circuit for interconnecting a smartcard chip
FR2949165B1 (fr) * 2009-08-11 2011-10-07 Oberthur Technologies Carte a microcircuit comprenant une diode electroluminescente
US10515427B1 (en) 2009-08-14 2019-12-24 Citicorp Credit Services, Inc. (Usa) Methods and systems for use of a prepaid payment device for a healthcare service or product
US10074081B1 (en) 2009-08-14 2018-09-11 Citicorp Credit Services, Inc. (Usa) Methods and systems for use of a prepaid payment device
US8511574B1 (en) 2009-08-17 2013-08-20 Dynamics Inc. Advanced loyalty applications for powered cards and devices
US9306666B1 (en) 2009-10-08 2016-04-05 Dynamics Inc. Programming protocols for powered cards and devices
US8727219B1 (en) 2009-10-12 2014-05-20 Dynamics Inc. Magnetic stripe track signal having multiple communications channels
US8523059B1 (en) 2009-10-20 2013-09-03 Dynamics Inc. Advanced payment options for powered cards and devices
US8393546B1 (en) 2009-10-25 2013-03-12 Dynamics Inc. Games, prizes, and entertainment for powered cards and devices
US8602312B2 (en) 2010-02-16 2013-12-10 Dynamics Inc. Systems and methods for drive circuits for dynamic magnetic stripe communications devices
US9129270B2 (en) * 2010-03-02 2015-09-08 Gonow Technologies, Llc Portable E-wallet and universal card
US9218557B2 (en) 2010-03-02 2015-12-22 Gonow Technologies, Llc Portable e-wallet and universal card
US9317018B2 (en) 2010-03-02 2016-04-19 Gonow Technologies, Llc Portable e-wallet and universal card
US9177241B2 (en) 2010-03-02 2015-11-03 Gonow Technologies, Llc Portable e-wallet and universal card
US8788418B2 (en) 2010-03-02 2014-07-22 Gonow Technologies, Llc Portable E-wallet and universal card
US8671055B2 (en) 2010-03-02 2014-03-11 Digital Life Technologies, Llc Portable E-wallet and universal card
US9195926B2 (en) 2010-03-02 2015-11-24 Gonow Technologies, Llc Portable e-wallet and universal card
US8348172B1 (en) 2010-03-02 2013-01-08 Dynamics Inc. Systems and methods for detection mechanisms for magnetic cards and devices
US9129199B2 (en) 2010-03-02 2015-09-08 Gonow Technologies, Llc Portable E-wallet and universal card
USD623690S1 (en) 2010-03-05 2010-09-14 Jpmorgan Chase Bank, N.A. Metal transaction device with gem-like surface
US10693263B1 (en) 2010-03-16 2020-06-23 Dynamics Inc. Systems and methods for audio connectors for powered cards and devices
US8447641B1 (en) 2010-03-29 2013-05-21 Jpmorgan Chase Bank, N.A. System and method for automatically enrolling buyers into a network
US8811892B2 (en) 2010-04-05 2014-08-19 Mastercard International Incorporated Systems, methods, and computer readable media for performing multiple transactions through a single near field communication (NFC) tap
US11120427B2 (en) 2010-05-18 2021-09-14 Dynamics Inc. Systems and methods for cards and devices operable to communicate via light pulsing
US8317103B1 (en) 2010-06-23 2012-11-27 FiTeq Method for broadcasting a magnetic stripe data packet from an electronic smart card
USD652449S1 (en) 2010-07-02 2012-01-17 Dynamics Inc. Multiple button interactive electronic card
USD687094S1 (en) 2010-07-02 2013-07-30 Dynamics Inc. Multiple button interactive electronic card with light sources
USD652448S1 (en) 2010-07-02 2012-01-17 Dynamics Inc. Multiple button interactive electronic card
USD670759S1 (en) 2010-07-02 2012-11-13 Dynamics Inc. Multiple button interactive electronic card with light sources
USD652867S1 (en) 2010-07-02 2012-01-24 Dynamics Inc. Multiple button interactive electronic card
USD674013S1 (en) 2010-07-02 2013-01-08 Dynamics Inc. Multiple button interactive electronic card with light sources
USD672389S1 (en) 2010-07-02 2012-12-11 Dynamics Inc. Multiple button interactive electronic card with light sources
USD652075S1 (en) 2010-07-02 2012-01-10 Dynamics Inc. Multiple button interactive electronic card
USD651237S1 (en) 2010-07-09 2011-12-27 Dynamics Inc. Interactive electronic card with display
USD652450S1 (en) 2010-07-09 2012-01-17 Dynamics Inc. Multiple button interactive electronic card
USD665022S1 (en) 2010-07-09 2012-08-07 Dynamics Inc. Multiple button interactive electronic card with light source
USD792512S1 (en) 2010-07-09 2017-07-18 Dynamics Inc. Display with font
USD651644S1 (en) 2010-07-09 2012-01-03 Dynamics Inc. Interactive electronic card with display
USD652076S1 (en) 2010-07-09 2012-01-10 Dynamics Inc. Multiple button interactive electronic card with display
USD792513S1 (en) 2010-07-09 2017-07-18 Dynamics Inc. Display with font
USD653288S1 (en) 2010-07-09 2012-01-31 Dynamics Inc. Multiple button interactive electronic card
USD792511S1 (en) 2010-07-09 2017-07-18 Dynamics Inc. Display with font
USD665447S1 (en) 2010-07-09 2012-08-14 Dynamics Inc. Multiple button interactive electronic card with light source and display
USD643063S1 (en) * 2010-07-09 2011-08-09 Dynamics Inc. Interactive electronic card with display
USD666241S1 (en) 2010-07-09 2012-08-28 Dynamics Inc. Multiple button interactive electronic card with light source
USD651238S1 (en) 2010-07-09 2011-12-27 Dynamics Inc. Interactive electronic card with display
US8322623B1 (en) 2010-07-26 2012-12-04 Dynamics Inc. Systems and methods for advanced card printing
US9818125B2 (en) 2011-02-16 2017-11-14 Dynamics Inc. Systems and methods for information exchange mechanisms for powered cards and devices
USD643064S1 (en) 2010-07-29 2011-08-09 Jpmorgan Chase Bank, N.A. Metal transaction device with gem-like surface
US9053398B1 (en) 2010-08-12 2015-06-09 Dynamics Inc. Passive detection mechanisms for magnetic cards and devices
US10055614B1 (en) 2010-08-12 2018-08-21 Dynamics Inc. Systems and methods for advanced detection mechanisms for magnetic cards and devices
US8589288B1 (en) 2010-10-01 2013-11-19 Jpmorgan Chase Bank, N.A. System and method for electronic remittance of funds
US10022884B1 (en) 2010-10-15 2018-07-17 Dynamics Inc. Systems and methods for alignment techniques for magnetic cards and devices
US8561894B1 (en) 2010-10-20 2013-10-22 Dynamics Inc. Powered cards and devices designed, programmed, and deployed from a kiosk
US8799087B2 (en) 2010-10-27 2014-08-05 Mastercard International Incorporated Systems, methods, and computer readable media for utilizing one or more preferred application lists in a wireless device reader
US9646240B1 (en) 2010-11-05 2017-05-09 Dynamics Inc. Locking features for powered cards and devices
US8567679B1 (en) 2011-01-23 2013-10-29 Dynamics Inc. Cards and devices with embedded holograms
US10095970B1 (en) 2011-01-31 2018-10-09 Dynamics Inc. Cards including anti-skimming devices
US9836680B1 (en) 2011-03-03 2017-12-05 Dynamics Inc. Systems and methods for advanced communication mechanisms for magnetic cards and devices
US8485446B1 (en) 2011-03-28 2013-07-16 Dynamics Inc. Shielded magnetic stripe for magnetic cards and devices
US8543503B1 (en) 2011-03-30 2013-09-24 Jpmorgan Chase Bank, N.A. Systems and methods for automated invoice entry
US8543504B1 (en) 2011-03-30 2013-09-24 Jpmorgan Chase Bank, N.A. Systems and methods for automated invoice entry
US9838520B2 (en) 2011-04-22 2017-12-05 Mastercard International Incorporated Purchase Magnetic stripe attachment and application for mobile electronic devices
WO2012154915A1 (en) 2011-05-10 2012-11-15 Dynamics Inc. Systems, devices, and methods for mobile payment acceptance, mobile authorizations, mobile wallets, and contactless communication mechanisms
USD670329S1 (en) 2011-05-12 2012-11-06 Dynamics Inc. Interactive display card
USD670332S1 (en) 2011-05-12 2012-11-06 Dynamics Inc. Interactive card
USD676904S1 (en) 2011-05-12 2013-02-26 Dynamics Inc. Interactive display card
USD670330S1 (en) 2011-05-12 2012-11-06 Dynamics Inc. Interactive card
USD670331S1 (en) 2011-05-12 2012-11-06 Dynamics Inc. Interactive display card
US8628022B1 (en) 2011-05-23 2014-01-14 Dynamics Inc. Systems and methods for sensor mechanisms for magnetic cards and devices
US20120310760A1 (en) * 2011-06-03 2012-12-06 Simon Phillips Mobile device automatic card account selection for a transaction
US8827153B1 (en) 2011-07-18 2014-09-09 Dynamics Inc. Systems and methods for waveform generation for dynamic magnetic stripe communications devices
US8768830B1 (en) 2011-09-08 2014-07-01 Citibank, N.A. Method and system for a multi-purpose transactional platform
CN109919586B (zh) 2011-10-12 2023-05-02 万事达移动交易方案公司 多层安全移动交易使能平台
US11551046B1 (en) 2011-10-19 2023-01-10 Dynamics Inc. Stacked dynamic magnetic stripe commmunications device for magnetic cards and devices
US11409971B1 (en) 2011-10-23 2022-08-09 Dynamics Inc. Programming and test modes for powered cards and devices
US8960545B1 (en) 2011-11-21 2015-02-24 Dynamics Inc. Data modification for magnetic cards and devices
US9619741B1 (en) 2011-11-21 2017-04-11 Dynamics Inc. Systems and methods for synchronization mechanisms for magnetic cards and devices
SG11201402565UA (en) 2011-11-23 2014-06-27 Starbucks Corp Dba Starbucks Coffee Co Apparatus, systems, and methods for brewing a beverage
GB2497281A (en) 2011-12-01 2013-06-12 Barclays Bank Plc Electronic wallet mobile payment transaction system
US9064194B1 (en) 2012-02-03 2015-06-23 Dynamics Inc. Systems and methods for spike suppression for dynamic magnetic stripe communications devices
US9710745B1 (en) 2012-02-09 2017-07-18 Dynamics Inc. Systems and methods for automated assembly of dynamic magnetic stripe communications devices
DE102012002619B8 (de) 2012-02-13 2013-11-07 Roland Schopenhauer Universalkarte zur Vereinfachung des Gebrauchs einer Vielzahl von Karten
US8888009B1 (en) 2012-02-14 2014-11-18 Dynamics Inc. Systems and methods for extended stripe mechanisms for magnetic cards and devices
US9916992B2 (en) 2012-02-20 2018-03-13 Dynamics Inc. Systems and methods for flexible components for powered cards and devices
US9734669B1 (en) 2012-04-02 2017-08-15 Dynamics Inc. Cards, devices, systems, and methods for advanced payment game of skill and game of chance functionality
US11961147B1 (en) 2012-04-15 2024-04-16 K. Shane Cupp Cards, devices, systems, and methods for financial management services
US11418483B1 (en) 2012-04-19 2022-08-16 Dynamics Inc. Cards, devices, systems, and methods for zone-based network management
US9033218B1 (en) 2012-05-15 2015-05-19 Dynamics Inc. Cards, devices, systems, methods and dynamic security codes
US9064195B2 (en) 2012-06-29 2015-06-23 Dynamics Inc. Multiple layer card circuit boards
USD687488S1 (en) 2012-08-27 2013-08-06 Dynamics Inc. Interactive electronic card with buttons
USD694322S1 (en) 2012-08-27 2013-11-26 Dynamics Inc. Interactive electronic card with display buttons
USD730438S1 (en) * 2012-08-27 2015-05-26 Dynamics Inc. Interactive electronic card with display and button
USD687095S1 (en) 2012-08-27 2013-07-30 Dynamics Inc. Interactive electronic card with buttons
USD828870S1 (en) 2012-08-27 2018-09-18 Dynamics Inc. Display card
USD687487S1 (en) 2012-08-27 2013-08-06 Dynamics Inc. Interactive electronic card with display and button
USD687490S1 (en) 2012-08-27 2013-08-06 Dynamics Inc. Interactive electronic card with display and button
USD687489S1 (en) 2012-08-27 2013-08-06 Dynamics Inc. Interactive electronic card with buttons
USD729870S1 (en) * 2012-08-27 2015-05-19 Dynamics Inc. Interactive electronic card with display and button
USD730439S1 (en) 2012-08-27 2015-05-26 Dynamics Inc. Interactive electronic card with buttons
USD675256S1 (en) 2012-08-27 2013-01-29 Dynamics Inc. Interactive electronic card with display and button
USD673606S1 (en) 2012-08-27 2013-01-01 Dynamics Inc. Interactive electronic card with display and buttons
USD688744S1 (en) 2012-08-27 2013-08-27 Dynamics Inc. Interactive electronic card with display and button
USD729869S1 (en) * 2012-08-27 2015-05-19 Dynamics Inc. Interactive electronic card with display and button
USD729871S1 (en) 2012-08-27 2015-05-19 Dynamics Inc. Interactive electronic card with display and buttons
USD695636S1 (en) 2012-08-27 2013-12-17 Dynamics Inc. Interactive electronic card with display and buttons
USD692053S1 (en) 2012-08-27 2013-10-22 Dynamics Inc. Interactive electronic card with display and button
USD687887S1 (en) 2012-08-27 2013-08-13 Dynamics Inc. Interactive electronic card with buttons
USD676487S1 (en) 2012-08-27 2013-02-19 Dynamics Inc. Interactive electronic card with display and buttons
US11995642B1 (en) 2012-09-05 2024-05-28 Dynamics Inc. Cards, devices, systems, and methods for a notification system
US20140074704A1 (en) * 2012-09-11 2014-03-13 Cashstar, Inc. Systems, methods and devices for conducting transactions with electronic passbooks
US11126997B1 (en) 2012-10-02 2021-09-21 Dynamics Inc. Cards, devices, systems, and methods for a fulfillment system
US9010647B2 (en) 2012-10-29 2015-04-21 Dynamics Inc. Multiple sensor detector systems and detection methods of magnetic cards and devices
US9659246B1 (en) 2012-11-05 2017-05-23 Dynamics Inc. Dynamic magnetic stripe communications device with beveled magnetic material for magnetic cards and devices
US9010644B1 (en) 2012-11-30 2015-04-21 Dynamics Inc. Dynamic magnetic stripe communications device with stepped magnetic material for magnetic cards and devices
US10949627B2 (en) 2012-12-20 2021-03-16 Dynamics Inc. Systems and methods for non-time smearing detection mechanisms for magnetic cards and devices
US9830588B2 (en) * 2013-02-26 2017-11-28 Digimarc Corporation Methods and arrangements for smartphone payments
USD750167S1 (en) 2013-03-04 2016-02-23 Dynamics Inc. Interactive electronic card with buttons
USD764584S1 (en) 2013-03-04 2016-08-23 Dynamics Inc. Interactive electronic card with buttons
USD751639S1 (en) 2013-03-04 2016-03-15 Dynamics Inc. Interactive electronic card with display and button
USD750166S1 (en) 2013-03-04 2016-02-23 Dynamics Inc. Interactive electronic card with display and buttons
USD765173S1 (en) 2013-03-04 2016-08-30 Dynamics Inc. Interactive electronic card with display and button
USD751640S1 (en) 2013-03-04 2016-03-15 Dynamics Inc. Interactive electronic card with display and button
USD765174S1 (en) 2013-03-04 2016-08-30 Dynamics Inc. Interactive electronic card with button
USD750168S1 (en) 2013-03-04 2016-02-23 Dynamics Inc. Interactive electronic card with display and button
USD777252S1 (en) 2013-03-04 2017-01-24 Dynamics Inc. Interactive electronic card with buttons
USD729808S1 (en) * 2013-03-13 2015-05-19 Nagrastar Llc Smart card interface
USD759022S1 (en) * 2013-03-13 2016-06-14 Nagrastar Llc Smart card interface
US9888283B2 (en) 2013-03-13 2018-02-06 Nagrastar Llc Systems and methods for performing transport I/O
USD758372S1 (en) 2013-03-13 2016-06-07 Nagrastar Llc Smart card interface
US9647997B2 (en) 2013-03-13 2017-05-09 Nagrastar, Llc USB interface for performing transport I/O
US9022286B2 (en) 2013-03-15 2015-05-05 Virtual Electric, Inc. Multi-functional credit card type portable electronic device
USD854083S1 (en) 2013-03-27 2019-07-16 Jpmorgan Chase Bank, N.A. Hybrid transaction device
USD767024S1 (en) 2013-09-10 2016-09-20 Dynamics Inc. Interactive electronic card with contact connector
USD737373S1 (en) 2013-09-10 2015-08-25 Dynamics Inc. Interactive electronic card with contact connector
US9836739B1 (en) 2013-10-22 2017-12-05 Square, Inc. Changing a financial account after initiating a payment using a proxy card
US9922321B2 (en) 2013-10-22 2018-03-20 Square, Inc. Proxy for multiple payment mechanisms
US9058626B1 (en) 2013-11-13 2015-06-16 Jpmorgan Chase Bank, N.A. System and method for financial services device usage
WO2015077237A2 (en) 2013-11-20 2015-05-28 Starbucks Corporation D/B/A Starbucks Coffee Company Cooking system power management
USD738667S1 (en) 2013-11-20 2015-09-15 Starbucks Corporation Beverage brewing apparatus
US10621563B1 (en) 2013-12-27 2020-04-14 Square, Inc. Apportioning a payment card transaction among multiple payers
US9311639B2 (en) 2014-02-11 2016-04-12 Digimarc Corporation Methods, apparatus and arrangements for device to device communication
MX2016011244A (es) 2014-03-07 2017-02-23 Starbucks Corp Tarjeta de funcion dual, con funcionalidad de tarjeta llave y funcionalidad de tarjeta de valores acumulados.
US10692059B1 (en) 2014-03-13 2020-06-23 Square, Inc. Selecting a financial account associated with a proxy object based on fund availability
US10108891B1 (en) 2014-03-21 2018-10-23 Dynamics Inc. Exchange coupled amorphous ribbons for electronic stripes
US9864986B1 (en) 2014-03-25 2018-01-09 Square, Inc. Associating a monetary value card with a payment object
US10572871B1 (en) 2014-12-04 2020-02-25 Square, Inc. Personalized gift cards—post-transaction communication
US9436941B1 (en) * 2015-02-18 2016-09-06 Calay Venture S.à.r.l. Smart payment instruments
US9225519B1 (en) 2015-03-02 2015-12-29 Federico Fraccaroli Method, system, and apparatus for enabling secure functionalities
USD780763S1 (en) 2015-03-20 2017-03-07 Nagrastar Llc Smart card interface
USD864968S1 (en) 2015-04-30 2019-10-29 Echostar Technologies L.L.C. Smart card interface
BR112018003090A2 (pt) * 2015-08-17 2018-09-25 Verrency Holdings Ltd dispositivos de pagamento tendo múltiplos modos de conduzir transações financeiras
EP3338230A4 (en) * 2015-08-17 2019-04-17 Verrency Holdings Limited PAYMENT DEVICES HAVING SEVERAL MODES OF CONDUCT OF FINANCIAL TRANSACTIONS
US10032049B2 (en) 2016-02-23 2018-07-24 Dynamics Inc. Magnetic cards and devices for motorized readers
US11893581B1 (en) 2018-02-20 2024-02-06 Block, Inc. Tokenization for payment devices
US11244382B1 (en) 2018-10-31 2022-02-08 Square, Inc. Computer-implemented method and system for auto-generation of multi-merchant interactive image collection
US11210730B1 (en) 2018-10-31 2021-12-28 Square, Inc. Computer-implemented methods and system for customized interactive image collection based on customer data
US11645613B1 (en) 2018-11-29 2023-05-09 Block, Inc. Intelligent image recommendations
CN110111461B (zh) * 2019-04-30 2022-11-01 尤尼泰克(嘉兴)信息技术有限公司 一种基于二维码的通行证离线识别方法及设备

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4443027A (en) * 1981-07-29 1984-04-17 Mcneely Maurice G Multiple company credit card system
EP0203683A2 (en) * 1985-04-26 1986-12-03 Visa International Service Association Transaction card
DE8707546U1 (de) * 1987-05-26 1988-09-29 Scharffetter, Jürgen, Ing.(grad.), 6086 Riedstadt Elektronische Scheckkarte
DE3809028A1 (de) * 1987-03-20 1988-09-29 Mitsubishi Electric Corp Ic-kartenbenutzungssystem fuer ic-karten

Family Cites Families (21)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US479542A (en) * 1892-07-26 Charles f
IT1074184B (it) * 1976-11-03 1985-04-17 Mario Marco De Gasperi Sistema per la realizzazione e la verifica della autenticita' di documenti di identificazione
DE3041393C2 (de) * 1980-11-03 1984-05-17 Stockburger, Hermann, 7742 St Georgen Verfahren zum Erstellen einer vorgegebenen Anzahl von ein Speichermedium aufweisenden Berechtigungskarten
JPS60176186A (ja) * 1984-02-23 1985-09-10 Omron Tateisi Electronics Co Ｉｃカ−ドシステム
US4736094A (en) * 1984-04-03 1988-04-05 Omron Tateisi Electronics Co. Financial transaction processing system using an integrated circuit card device
US4746787A (en) * 1984-07-20 1988-05-24 Oki Electric Industry Co., Ltd. IC card with display and card recording and reading device
SU1251138A1 (ru) * 1984-12-27 1986-08-15 Рижское Ордена Ленина Производственное Объединение "Вэф" Им.В.И.Ленина Идентификационна карта
EP0197535A3 (en) * 1985-04-09 1988-09-21 Siemens Aktiengesellschaft Berlin Und Munchen Data input device
DE3519396C1 (de) * 1985-05-30 1986-07-17 Siemens AG, 1000 Berlin und 8000 München Verfahren und Anordnung zur automatischen Lotzufuhr beim Stapelloeten
US4700055A (en) * 1985-10-15 1987-10-13 Kashkashian Jr Arsen Multiple credit card system
JPS62179994A (ja) * 1986-02-04 1987-08-07 カシオ計算機株式会社 電子カ−ド
US4667087A (en) * 1986-03-31 1987-05-19 Max A. Quintana Secure credit card
JPS62237592A (ja) * 1986-04-08 1987-10-17 Casio Comput Co Ltd Ｉｃカ−ドにおけるクロツク切換方式
US4742215A (en) * 1986-05-07 1988-05-03 Personal Computer Card Corporation IC card system
JPS6356785A (ja) * 1986-08-28 1988-03-11 Toshiba Corp 携帯可能記憶媒体処理装置
GB2201125A (en) * 1987-02-16 1988-08-24 De La Rue Syst Verification device
US4859837A (en) * 1987-03-23 1989-08-22 Halpern John Wolfgang Portable data carrier incorporating manually presettable processing modes
US4764666A (en) * 1987-09-18 1988-08-16 Gtech Corporation On-line wagering system with programmable game entry cards
US4879747A (en) * 1988-03-21 1989-11-07 Leighton Frank T Method and system for personal identification
DE8902378U1 (de) * 1989-03-01 1989-06-08 Hennige, Hartmut, 7000 Stuttgart Vorrichtung zur Vereinfachung des Gebrauchs einer Vielzahl von Kreditkarten u.dgl.
DE8902387U1 (de) * 1989-03-01 1989-04-27 Richter, Alfred, 7260 Calw Schneidvorrichtung für Blechbänder

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4443027A (en) * 1981-07-29 1984-04-17 Mcneely Maurice G Multiple company credit card system
EP0203683A2 (en) * 1985-04-26 1986-12-03 Visa International Service Association Transaction card
DE3809028A1 (de) * 1987-03-20 1988-09-29 Mitsubishi Electric Corp Ic-kartenbenutzungssystem fuer ic-karten
DE8707546U1 (de) * 1987-05-26 1988-09-29 Scharffetter, Jürgen, Ing.(grad.), 6086 Riedstadt Elektronische Scheckkarte

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7692667B2 (en) 2001-08-17 2010-04-06 Palm, Inc. Handheld computer having moveable segments that are interactive with an integrated display
WO2004023432A1 (en) * 2002-09-09 2004-03-18 Peter Dyer Memory aid
AU2003258358B2 (en) * 2002-09-09 2008-06-19 Peter Dyer Memory aid

Also Published As

Publication number Publication date
DK0385290T3 (da) 1995-06-19
NO303474B1 (no) 1998-07-13
FI98251C (fi) 1997-05-12
JP2001028038A (ja) 2001-01-30
KR0151394B1 (en) 1999-10-15
MX174100B (es) 1994-04-21
NO904731L (no) 1990-10-31
DD292983A5 (de) 1991-08-14
FI905355A0 (fi) 1990-10-30
US5276311A (en) 1994-01-04
PT93281B (pt) 1996-05-31
BG60020B2 (bg) 1993-06-30
PT93281A (pt) 1991-10-15
CA2011090A1 (en) 1990-09-01
DE3906349C2 (es) 1991-08-08
ES2069613T3 (es) 1995-05-16
GR3015784T3 (en) 1995-07-31
FI98251B (fi) 1997-01-31
WO1990010279A1 (de) 1990-09-07
HU902325D0 (en) 1991-03-28
EP0385290A1 (de) 1990-09-05
CA2011090C (en) 1995-07-18
BR9005549A (pt) 1991-08-06
JPH0340081A (ja) 1991-02-20
AU5052890A (en) 1990-09-06
OA09269A (en) 1992-08-31
AU649219B2 (en) 1994-05-19
AR248196A1 (es) 1995-06-30
RU2139570C1 (ru) 1999-10-10
ZA901402B (en) 1990-11-28
NO904731D0 (no) 1990-10-31
HUT55151A (en) 1991-04-29
ATE117445T1 (de) 1995-02-15
HU217494B (hu) 2000-02-28
DE59008274D1 (de) 1995-03-02
RO115764B1 (ro) 2000-05-30
KR920700436A (ko) 1992-02-19
CZ283996B6 (cs) 1998-07-15
DE3906349A1 (de) 1990-09-13

Similar Documents

Publication Publication Date Title
EP0385290B1 (de) Verfahren und Vorrichtung zur Vereinfachung des Gebrauchs einer Vielzahl von Kreditkarten u. dgl.
DE60037783T2 (de) Verfähren zur Änderung der auf einer universellen Karte gespeicherten Daten
EP0306892B1 (de) Schaltungsanordnung mit einer zumindest einen Teil der Anordnung enthaltenden Karte für Geschäfts-, Identifizierungs-und/oder Betätigungszwecke
DE3886623T2 (de) Transaktionssystem mit einer oder mehreren zentralen Schnittstellen und mit einer Anzahl von verteilten Endstationen, welche an jede zentrale Schnittstelle über ein Netzwerk gekoppelt werden können; Concentrator und Endstation, geeignet für den Gebrauch in solch einem Transaktionssystem und Bedieneridentifizierungselement für den Gebrauch in einer solchen Endstation.
DE3412663A1 (de) Chipkartensystem
DE19607363A1 (de) Mehrfachanwendungs-Datenkarte
EP0834155A1 (de) Verfahren zur ausgabe von chipkarten
DE69631829T2 (de) IC-Karte und Program für IC-Karten
DE10105396A1 (de) Mobile elektronische Vorrichtung mit einer Funktion zum Verifizieren eines Nutzers durch biometrische Informationen
DE2738113A1 (de) Vorrichtung zur durchfuehrung von bearbeitungsvorgaengen mit einem in eine aufnahmeeinrichtung der vorrichtung eingebbaren identifikanden
DE3721170A1 (de) Tragbares speichermedium
AT401205B (de) System zur identifizierung eines kartenbenutzers
DE19718115A1 (de) Chipkarte und Verfahren zur Verwendung der Chipkarte
WO1980002756A1 (en) Data transmission system
DE102008001149B4 (de) Dokument mit einem Speicher und Empfänger-Gerät
WO2006015573A1 (de) Datenträger zur kontaktlosen übertragung von verschlüsselten datensignalen
EP0956545B1 (de) Datenerfassungs- und datenspeichermittelausgabesystem, und verfahren zum betreiben des systems
WO2013120473A1 (de) Universalkarte zur vereinfachung des gebrauchs einer vielzahl an karten
DE8902378U1 (de) Vorrichtung zur Vereinfachung des Gebrauchs einer Vielzahl von Kreditkarten u.dgl.
DE19811646A1 (de) Multifunktions-Chipkarte
DE4027735A1 (de) Verfahren und vorrichtung zur gesicherten datenfernuebermittlung
DE69318550T2 (de) Tragbares Terminal zur Durchführung von Einkaufs-, Debet-, Kredit- und Abhebungsoperationen
WO1999057680A1 (de) Vorrichtung zur weitergabe personenbezogener daten
EP0970449A2 (de) Tragbarer datenträger und verfahren zu dessen kryptographisch gesicherten benutzung mit austauschbaren kryptographischen schlüsseln
DE19616943C2 (de) Adapter-Vorrichtung zum Manipulieren eines Speicherbausteins einer Chipkarte und einen Anbieterterminal zum Erwerb von Waren und/oder Dienstleistungen mittels einer Chipkarte

Legal Events

Date Code Title Description
PUAI Public reference made under article 153(3) epc to a published international application that has entered the european phase

Free format text: ORIGINAL CODE: 0009012

AK Designated contracting states

Kind code of ref document: A1

Designated state(s): AT BE CH DE DK ES FR GB GR IT LI LU NL SE

17P Request for examination filed

Effective date: 19900824

17Q First examination report despatched

Effective date: 19920415

GRAA (expected) grant

Free format text: ORIGINAL CODE: 0009210

AK Designated contracting states

Kind code of ref document: B1

Designated state(s): AT BE CH DE DK ES FR GB GR IT LI LU NL SE

REF Corresponds to:

Ref document number: 117445

Country of ref document: AT

Date of ref document: 19950215

Kind code of ref document: T

REF Corresponds to:

Ref document number: 59008274

Country of ref document: DE

Date of ref document: 19950302

ITF It: translation for a ep patent filed
GBT Gb: translation of ep patent filed (gb section 77(6)(a)/1977)

Effective date: 19950323

ET Fr: translation filed
REG Reference to a national code

Ref country code: ES

Ref legal event code: FG2A

Ref document number: 2069613

Country of ref document: ES

Kind code of ref document: T3

REG Reference to a national code

Ref country code: DK

Ref legal event code: T3

REG Reference to a national code

Ref country code: GR

Ref legal event code: FG4A

Free format text: 3015784

PLBE No opposition filed within time limit

Free format text: ORIGINAL CODE: 0009261

STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: NO OPPOSITION FILED WITHIN TIME LIMIT

26N No opposition filed
REG Reference to a national code

Ref country code: GB

Ref legal event code: IF02

PGFP Annual fee paid to national office [announced via postgrant information from national office to epo]

Ref country code: NL

Payment date: 20070215

Year of fee payment: 18

PGFP Annual fee paid to national office [announced via postgrant information from national office to epo]

Ref country code: AT

Payment date: 20070221

Year of fee payment: 18

Ref country code: GB

Payment date: 20070221

Year of fee payment: 18

PGFP Annual fee paid to national office [announced via postgrant information from national office to epo]

Ref country code: CH

Payment date: 20070222

Year of fee payment: 18

Ref country code: DK

Payment date: 20070222

Year of fee payment: 18

PGFP Annual fee paid to national office [announced via postgrant information from national office to epo]

Ref country code: SE

Payment date: 20070223

Year of fee payment: 18

PGFP Annual fee paid to national office [announced via postgrant information from national office to epo]

Ref country code: ES

Payment date: 20070226

Year of fee payment: 18

PGFP Annual fee paid to national office [announced via postgrant information from national office to epo]

Ref country code: LU

Payment date: 20070227

Year of fee payment: 18

PGFP Annual fee paid to national office [announced via postgrant information from national office to epo]

Ref country code: BE

Payment date: 20070301

Year of fee payment: 18

PGFP Annual fee paid to national office [announced via postgrant information from national office to epo]

Ref country code: DE

Payment date: 20070302

Year of fee payment: 18

REG Reference to a national code

Ref country code: CH

Ref legal event code: PCAR

Free format text: ISLER & PEDRAZZINI AG;POSTFACH 1772;8027 ZUERICH (CH)

PGFP Annual fee paid to national office [announced via postgrant information from national office to epo]

Ref country code: IT

Payment date: 20070531

Year of fee payment: 18

PGFP Annual fee paid to national office [announced via postgrant information from national office to epo]

Ref country code: GR

Payment date: 20070228

Year of fee payment: 18

PGFP Annual fee paid to national office [announced via postgrant information from national office to epo]

Ref country code: FR

Payment date: 20070216

Year of fee payment: 18

BERE Be: lapsed

Owner name: *HENNIGE HARTMUT

Effective date: 20080228

REG Reference to a national code

Ref country code: DK

Ref legal event code: EBP

REG Reference to a national code

Ref country code: CH

Ref legal event code: PL

EUG Se: european patent has lapsed
GBPC Gb: european patent ceased through non-payment of renewal fee

Effective date: 20080223

PG25 Lapsed in a contracting state [announced via postgrant information from national office to epo]

Ref country code: CH

Free format text: LAPSE BECAUSE OF NON-PAYMENT OF DUE FEES

Effective date: 20080229

Ref country code: LI

Free format text: LAPSE BECAUSE OF NON-PAYMENT OF DUE FEES

Effective date: 20080229

NLV4 Nl: lapsed or anulled due to non-payment of the annual fee

Effective date: 20080901

PG25 Lapsed in a contracting state [announced via postgrant information from national office to epo]

Ref country code: AT

Free format text: LAPSE BECAUSE OF NON-PAYMENT OF DUE FEES

Effective date: 20080223

Ref country code: NL

Free format text: LAPSE BECAUSE OF NON-PAYMENT OF DUE FEES

Effective date: 20080901

REG Reference to a national code

Ref country code: FR

Ref legal event code: ST

Effective date: 20081031

PG25 Lapsed in a contracting state [announced via postgrant information from national office to epo]

Ref country code: DE

Free format text: LAPSE BECAUSE OF NON-PAYMENT OF DUE FEES

Effective date: 20080902

Ref country code: SE

Free format text: LAPSE BECAUSE OF NON-PAYMENT OF DUE FEES

Effective date: 20080224

Ref country code: DK

Free format text: LAPSE BECAUSE OF NON-PAYMENT OF DUE FEES

Effective date: 20080229

PG25 Lapsed in a contracting state [announced via postgrant information from national office to epo]

Ref country code: BE

Free format text: LAPSE BECAUSE OF NON-PAYMENT OF DUE FEES

Effective date: 20080228

PG25 Lapsed in a contracting state [announced via postgrant information from national office to epo]

Ref country code: FR

Free format text: LAPSE BECAUSE OF NON-PAYMENT OF DUE FEES

Effective date: 20080229

REG Reference to a national code

Ref country code: ES

Ref legal event code: FD2A

Effective date: 20080225

PG25 Lapsed in a contracting state [announced via postgrant information from national office to epo]

Ref country code: GB

Free format text: LAPSE BECAUSE OF NON-PAYMENT OF DUE FEES

Effective date: 20080223

Ref country code: GR

Free format text: LAPSE BECAUSE OF NON-PAYMENT OF DUE FEES

Effective date: 20080903

PG25 Lapsed in a contracting state [announced via postgrant information from national office to epo]

Ref country code: ES

Free format text: LAPSE BECAUSE OF NON-PAYMENT OF DUE FEES

Effective date: 20080225

PG25 Lapsed in a contracting state [announced via postgrant information from national office to epo]

Ref country code: IT

Free format text: LAPSE BECAUSE OF NON-PAYMENT OF DUE FEES

Effective date: 20080223

PG25 Lapsed in a contracting state [announced via postgrant information from national office to epo]

Ref country code: LU

Free format text: LAPSE BECAUSE OF NON-PAYMENT OF DUE FEES

Effective date: 20080223